HEAT oven to 375ºF.
MIX first 5 ingredients in large bowl. Whisk eggs, milk and oil until well blended. Add to flour mixture; stir just unti moistened. (Batter will be lumpy.) Stir in apples.
SPOON into 12 muffin cups sprayed with cooking spray. Mix remaining ingredients; spoon over batter. Press lightly into batter.
BAKE 20 to 25 min. or until golden brown.