Tree outside is nearly bare of leaves

Looking out the window here in my bedroom, I notice there are only a few leaves left on the big tree outside my window. It is over 90% barren branches waiting to hold the first flakes of snow when it falls.

Here's a picture of the barren three set against the almost clear skies that I have today. I find it amusing that the last few leaves are mostly at the top of the tree. Not sure why, I guess they are the newest leaves so held out longer than the other ones that died off and fell to the ground?