Preheat the oven to 375°F and line a 12-cup muffin tin with paper liners.
Cover the raisins with hot water and let them plump for 10 minutes, then drain well. Meanwhile, grate the carrots and apple.
In a large bowl, whisk together the all purpose flour, whole wheat flour, cinnamon, ginger, baking soda, baking powder and salt.
Blend the cottage cheese, eggs, brown sugar, oil and vanilla until smooth, 30-45 seconds.
Stir the wet mixture into the dry ingredients until mostly combined. Fold in the carrots, apple with its juices, coconut, raisins and walnuts until evenly distributed.
Divide the batter among the cups, filling them to the top and mounding slightly, then sprinkle with the oats.
Bake for 22-25 minutes, until deep golden and a toothpick comes out clean.
Cool in the pan for 10 minutes, then move to a wire rack. The flavor gets even better the next day.