Bit of a guess here, but that looks like aphid damage. Turn the leaves over and look at the underside -- if it's aphids you'll see lots of tiny green bugs on the bottom of the leaves.

Brown blemishes on fruit could be early signs of an apple scab infestation. If it is, it's going to get worse this year. It can be controlled by spraying, but you're supposed to start before the tree flowers because the spores infect the tree early on. (Don't spray when the tree is flowering of course, because you don't want to kill your pollinators). It could be other things too, so do some research and see it it's a match.