Preheat oven to 375 degrees F. Line a muffin tin with cupcake liners and set aside.
In a medium size bowl add the oil and sugars. Beat together until combined. Mix in the eggs and vanilla extract. Add in the flour, almond flour, salt, baking powder, cinnamon, cardamom, cloves and ginger. Beat until well combined. Stir in the milk and then fold in the apple chunks.
In a small bowl, combine the topping ingredients except the butter and stir. Cut in the butter with a fork or pastry knife to make a rough crumb.
Spoon the muffin batter into the muffin liners until they are about 3/4 full. Will make 18 muffins. Sprinkle a spoonful of the crumbs onto the tops of the muffins.
Bake at 375 for about 25-30 minutes, until tops are golden and a toothpick inserted into the center comes out clean.
Remove from the oven and allow to cool in the tin for about 5 minutes, then remove to a cooling rack to cool all the way. Serve!