What’s going on with my gala Apple tree?

Looks like the bark is splitting.. also looks like so w kind of fungus growing in spots??  Any ideas??

I’m not an expert here. But just yesterday I was looking at cherry trees and read about cherry tree canker. The photos looked similar.

I saw it on this page:

https://www.gardeningknowhow.com/edible/fruits/cherry/bacterial-canker-on-cherries.htm

The top and bottom photo look like burr knots.

It seems like they're especially common on trees with M111 rootstock.

Just throwing out ideas here: did the cracks just appear in the winter? That could be from freeze thaw. People whitewash where snow reflection can add to this problem of bark warming even on the bottom of lower branches. Hard to tell the bigger context from the pictures. My other guess would be hail damage. Ive got lots and I may end up with some real Charlie Brown bonsai trees. On cracks like that where there is no obvious infection I would think some neem oil would help healing and prevent bacterial or fungal establishment.

Burr knots or Any point of injury are a place for infection to occur. I’m thinking mostly of fire blight. Some streptomycin powder is probably worth having in the tree first aid kit. Neem may help that too, but I’m not sure.