Wash hands with soap and water.

Gently rub apples under cool running water.

Beat eggs in a large bowl. Add in milk, honey, and oil.

Add flours and baking powder to egg mixture. Slice bananas and add to mixture.

Coat a large non-stick frying pan or griddle with cooking spray and warm pan for two minutes over medium heat.

Use ¼ cup measuring cups to measure out pancake batter onto heated pan. Cook until tops are bubbling and pancake edges appear dry. Flip and cook for additional 2-3 minutes or until cooked through.

Repeat step 6 until all batter has been used. Spray the pan with additional non-stick cooking spray as needed. Set aside pancakes and make apple topping.

Slice apples thinly with the peel still on.

Combine sliced apples, sugar, cinnamon, and water in skillet for 10 minutes or until apples are softened. Spoon on top of pancakes.