Does the tree have fruit that is hairy ball of seeds or leaves with undersides that are white and hairy?
Fruit is hairy ball of seeds
Leaves are 3 to 5 lobed with lobe margins coarsely toothed; fruit is hairy ball of seeds 1 to 1-1/4 inches in diameter; bark is scaly with the inner-bark light colored to almost white; trunk appears mottled
OR
Leaves with undersides that are white and hairy
Leaf undersides and twigs are white and hairy; leaves are 3 to 5 lobed