Preheat oven to 325 degrees. Place oats on a baking sheet and toast until lightly browned, stirring once (about 4 to 6 minutes). Do not let these get too toasted! Then cool to room temperature. *Note-If you are in a hurry you can skip this step, however the toasting adds flavour!)
Divide oats into portions of 1.5 cups, 1 cup and 2 Tbsp
Turn oven heat up to 350 degrees.
Place 2.5 cups of oats in a food processor and blend/pulse until they reach a flour like consistency.
Add apple sauce to a separate bowl OR mashed banana (there should be no lumps so mash well).
Add eggs, honey, milk and vanilla. Mix to combine.
Mix all dry ingredients in a separate bowl (blended oats, baking soda, baking powder, salt, and cinnamon)
Add wet ingredients to dry ingredients and mix until just incorporated. Allow mixture to sit for 10 minutes.
Fold in chopped apples.
Scoop into muffin tin, lined with muffin wrappers (makes 12 muffins).
Sprinkle muffin tops with the 2 Tbsp of reserved oats or crumb topping (see recipe below) and press lightly to make sure they stick.
Bake at 350 degrees celcius for about 20 -23 minutes, a toothpick inserted in the center of a muffin should come out clean.