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Preheat oven to 375. Grease muffin cups thoroughly.
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Combine the oats, flours, brown sugar, baking powder, baking soda, and salt in a large mixing bowl. Mix well (I use a stand mixer).
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With a hand mixer in a medium bowl, beat bananas into mush. I beat mine a lot since we don't like chunks of banana in ours. Add egg, applesauce, and cinnamon and beat til smooth and well-blended.
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With mixer on slow or stir, slowly add banana mixture to dry mix. Mix til all ingredients are completely incorporated and moist.
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Fold in mini chocolate chips by hand or with mixer on "stir" (this is a wet, thick batter, so hand mixing will be a work out!).
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Spoon into muffin cups until they are almost completely full.
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Bake for 22 minutes or til lightly springy to the touch.
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Let cool completely on wire racks before removing from pan--these are so moist that if you don't they'll fall apart in your hands.
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These freeze great for quick, healthy school day breakfasts!