Preheat an oven to 400 degrees F (200 degrees C). Grease 12 muffin cups or line with paper cupcake liners.

Cover raisins with water in a microwave-safe bowl; microwave on High for 1 minute to plump. Drain raisins and set aside.

Beat egg with milk in a bowl; mix in bran cereal. Let mixture stand until cereal absorbs liquid, about 5 minutes. Gently mix in plumped raisins, flour, baking soda, cinnamon, melted butter, shredded apple, mashed banana, and honey; stir a few times to mix.

Spoon batter into prepared muffin cups. Bake in the preheated oven for about 20 minutes, or until a toothpick inserted into the center of a muffin comes out clean.