Combine first 3 ingredients in a small saucepan, stirring well. Cook over medium-heat until thoroughly heated. Drain; set aside, and keep warm.
Combine flour and sugar, stirring well. Combine milk and next 3 ingredients; add to dry ingredients, stirring well with a wire whisk. Set aside.
Wrap handle of an 8-inch nonstick skillet with aluminum foil; coat skillet with cooking spray. Add 1 teaspoon oil, and place in oven. Preheat skillet in oven at 425° for 2 to 3 minutes. Pour batter into hot skillet. Bake at 425° for 15 minutes or until puffy and browned.
Remove pancake from skillet. Top with warm apple mixture, and sprinkle with powdered sugar. Serve immediately.