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Preheat oven to 400 degrees & prepare your muffin tins. Set aside.
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Cream butter & sugar in large mixer bowl.
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Add egg & bananas- mix well.
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Mix flour, baking powder & salt in small bowl. Set aside.
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Mix cinnamon & sugar in small bowl & transfer to bowl with apples. Stir to coat apples.
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Add flour mixture & Lactaid to butter mixture & beat on medium speed until well combined.
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Add vanilla- beat in.
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Fold in apples.
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Spoon batter into prepared muffin pans (this made 34 muffins)
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Combine additional cinnamon & sugar & sprinkle on top of each muffin before baking (optional)
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Bake for 20 minutes.
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Remove & cool on wire rack 10 minutes.
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Store in air tight container for up to 4 days.