If a tree is going to be infected by a virus or fungus it happens at this time of year. Your tree is shutting down early because of the leaf loss. Hopefully it has enough food stores in its roots for a flowering and leafing out next spring. There is nothing you can do at present.

Just wondering Jen - you have lots of plants round it and the base of a tree is usually best left reasonably bare. Just possibly they might be competing for nutrients? Just a guess.

Thank you for replies. So its fingers crossed it comes back next year. I agree that it is heavily planted around it. Other then weed haven't touch that boarder but after your suggestions hubby and I have agreed that will clear some of the plants around it and see if that helps it for next year. Thanks again Jen