Preheat the oven to 350°F and line a 12-cup muffin tin with papers.
To make the crumble topping, combine the flour, sugar, and butter together in a small bowl. Stir until the mixture is crumbly. Place the bowl in the fridge to chill while you make the batter.
Whisk the flour, sugar, baking soda, and salt together in a large mixing bowl.
In a small bowl or container, stir the milk, oil, vanilla, lemon juice, and zest together.
Pour the milk mixture into the bowl with the flour mixture. Stir everything together just until the ingredients are fully combined. Don't overmix the batter — a few lumps are okay.
Fold in the raspberries and white chocolate chips.
Divide the batter among the muffin cups, then sprinkle each muffin with some of the crumble topping.
Place the muffin tin into the oven. Bake the muffins until the tops have darkened slightly, and a toothpick inserted into the center of a muffin comes out clean, about 15 to 17 minutes.
Place the muffin tin on a cooling rack. Let the muffins cool before removing them from the tin.