Good Evening Todd, 

Thank you for contacting the U of M Extension Service. 

Please click on the following link from the U of M Extension Yard and Garden website about growing apples: https://extension.umn.edu/fruit/growing-apples

It is important that you read through the information about how to avoid pests and disease which is lower in the information. 

Here is another link about apple maggots: https://extension.umn.edu/yard-and-garden-insects/apple-maggot

Here is a more detailed link about white rot: https://ohioline.osu.edu/factsheet/plpath-fru-42

From viewing your photos, I believe it could be white rot. 

The insect is a four-spotted sap beetle. I do not believe this insect is the cause of the problem but is drawn to the rotting fruit. https://extension.usu.edu/planthealth/research/sap-beetles#:~:text=Four%2Dspotted%20sap%20beetles%20are,viewed%20from%20the%20top%20(Fig.

Good Luck!