Good Morning Michael, 

Thank you for contacting the U of M Extension Service. 

Please click on this link from the U of M Extension Yard and Garden website about growing apples in the home garden: https://extension.umn.edu/fruit/growing-apples

If you scroll down to Managing pests and disease it states: 

Note that just because you are seeing some damage doesn’t mean all hope is lost. One apple tree will produce a lot of apples, so losing a small number to birds and bugs isn't a reason to stress.

This early in the season, it might be apple scab. This is discussed under "Diseases" in the above information. 

Good Luck!