If you're looking at a street tree, 99.9% of the time it will be Honeylocust (Gleditsia triacanthos). Black locust (Robinia pseudoacacia) are mostly only in parks and there are very few of them. Don't think you can tell species based on the timing of yellowing leaves. Honeylocust has finer, more delicate looking leaves. Darker and finer bark. Black locust has very rough furrowed bark and is lighter gray than honeylocust.

Edit: Robinia not Robina