Add the oat flour, almond flour, tapioca starch, baking powder, baking soda, cinnamon and salt to a bowl and mix well.
Add all remaining ingredients and mix together.
Let the batter sit for about 5 minutes to thicken slightly as a greased pan heats up.
Using a 1/3 measuring cup, scoop out the batter onto the pan and cook on both sides for about 1-2 minutes. You'll know they're ready to flip when the tops start to look slightly matte.
Repeat until all batter has been used.
To make the apples, core and chop the apple into small pieces.
Add the coconut oil to a pan and let melt.
Add in the apple and let cook until it browns slightly.
Add the maple syrup and cinnamon and cook until the apples are soft and warm, about 5 or so minutes.
Top the pancakes with the apples and additional maple syrup.