In a blender, mix together all of the ingredients for the pancakes until combined and smooth.
Preheat griddle or non-stick frying pan to medium high. Spray with cooking spray. Using a tablespoon, scoop pancake mixture on the pan so it forms a medium circle (use about 2 heaping tablespoons for each pancake).
Cook for 4-5 minutes on the first side or until edges start to harden and bubbles start to form on surface. Flip and cook for an additional 1-2 minutes on the other side.
Meanwhile, to make the apple topping, place a small saucepan over medium heat. Add the apples, cinnamon, maple syrup and water. Cook until apples have softened and mixture has caramelized, about 5 minutes. Serve warm on top of pancakes with a sprinkle of pecans or walnuts, if desired.