Combine Greek yogurt, cottage cheese, egg, egg whites, oat flour, baking powder, vanilla, salt, and lemon juice in a blender; process until completely smooth.
Core and thinly slice the apple into uniform pieces.
Heat a large non-stick skillet over medium-low heat and melt the ghee.
Add the apple slices and cinnamon to the skillet, sautéing for 5-7 minutes until the apples are tender and slightly caramelized.
Transfer the apples to a bowl and wipe the skillet clean.
Lightly grease the skillet and pour the batter to form 4-inch pancakes.
Cook until bubbles appear on the surface and the edges look set, then flip and cook for 1-2 minutes until golden brown.
Serve the warm pancakes topped with the caramelized apples and any remaining pan juices.