Preheat the oven to 350℉ (177°C). Prep a 12-count muffin tin by either spraying it with cooking spray or using muffin liners. In a medium bowl whisk the oat flour, baking powder, baking soda, salt, and pumpkin pie spice together. Set aside. (1½ cup oat flour, 1 teaspoon baking powder, ½ teaspoon baking soda, 1 tablespoon pumpkin pie spice)
In a separate bowl, combine the eggs, avocado oil, coconut sugar, and vanilla extract. Whisk it together until it's well combined, about 1 minute (2 eggs, ¼ cup avocado oil, ½ cup coconut sugar, 1 teaspoon vanilla)
Mash the bananas using either a potato masher or a fork until they are almost liquid. Whisk the mashed banana and pumpkin puree into the egg mixture. (1 cup pumpkin puree, 1 cup mashed banana)
Mix the dry ingredients (the flour mixture) in with the wet ingredients and stir until just combined. I do this part gently with a spatula.
Gently fold in the chocolate chips if using (½ cup chocolate chips). Spoon the muffin batter into the prepared muffin cups, filling each ¾ of the way full. If you want to take this recipe to the next level, add a little bit of extra coconut sugar on the tops of the muffins.
Bake in the preheated oven for 25-28 minutes. The muffins are done when an inserted toothpick comes out clean. Let them cool at least 10-15 minutes before enjoying!
Hint: Don't overmix the batter or they will turn out tough! You just need to stir in the dry ingredients until they are moist.