Preheat oven to 350 degrees. Spray a 12 cup muffin tin with non-stick cooking spray, (or line with silicone muffin liners coated with non-stick spray).
Place all ingredients (except for chopped apples) in a blender, starting with liquid ingredients for easy blending. Blend until oats are completely ground, and batter is smooth.
Stir chopped apples into the batter until everything is well combined. Pour batter into muffin tin, dividing evenly between 12 cups.
Bake muffins for 25-30 minutes, or until a toothpick comes out clean.