Apple bark cracking?

Hey all,

I was checking on some grafts today and noticed this cracking at the base of this apple tree, Winesap on M111. In year 1 and 2 it got some sun damage and then what I believe was apple tree weevil damage. I whitewashed it this spring to prevent further sun damage and did a diluted neem treatment for the weevils after removing rotted bark. I can’t tell what’s going on now. Some of the paint cracking looks normal from growth, but there is loose bark with light tan underneath. It’s like extensive enough that it looks concerning to me. The tree looks otherwise healthy. Any ideas on what’s going on here? Thanks!

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How much rain have you gotten lately? A lot , all at once- like a downpour?