Preheat oven to 375 degrees F. Line a muffin pan with paper liners or grease well.
In a large bowl, make the flax egg by combining the ground flaxseed and water. Stir and set aside for 5 minutes to thicken.
In a medium bowl, add the flour, cinnamon, nutmeg, clove, baking powder, baking soda, and salt. Whisk until combined.
In the large bowl with the flax egg, mash the ripe bananas. Then add the applesauce, maple syrup, vanilla, and almond milk. Whisk until well combined.
Add the dry to the wet. Stir with a spatula until just combined. Careful not to over mix. Fold in chopped apples. Scoop batter into the prepared muffin pan. I fill each muffin tin all the way up with batter so you get nice, big, fluffy muffins. Bake for 20-23 minutes or when a toothpick inserted in the middle comes out clean. Let it cool in the pan for 10 minutes, then remove muffins and place on a wire rack to cool completely. (Once cooled, I would highly recommend that you store these in an airtight container or ziplock bag overnight or for a few hours before eating them. They are way more flavorful and moist the next day!)
Once muffins are cooled, make the salted caramel by adding the cashew butter and maple syrup in a small bowl. Microwave in 15 second increments and stir in-between until smooth and easy to stir. Careful not to burn it. Add a healthy pinch fo salt and stir. Drizzle/spread on top of the muffins. Enjoy! Store leftover muffins in an airtight container on the counter for up to 3 days.