Preheat oven to 350 degrees, grease a muffin tin with cooking spray or line with liners, set aside.
Combine the flour, oats, baking powder, baking soda, salt, and cinnamon, mix to combine,
In a separate bowl, whisk together the oil, honey, egg, milk, and mashed bananas.
Combine the wet and dry ingredients together, mix until combined. Fold in the grated apples.
Fill your prepared muffin tin 3/4 of the way full, until all of the batter has been used. Sprinkle with oats for a garnish if desired.
Bake for 20 minutes, until set and a toothpick inserted comes out clean. Allow to cool before serving.