Stir in raisins and apples. In a large bowl, combine egg, honey, oil and milk. Stir in dry ingredients. Mix to form a smooth batter. Bake for 10 to 12 minutes or until lightly golden.
Transfer cookies to rack to cool.
Preheat oven to 375. Using fingers, press dough into the pan in even layer. Arrange apples in even layer over dough. Cut in butter until coarse crumbs are formed. Sprinkle the crumbs over the apples.