01 - Preheat the oven to 350°F. Line a standard muffin tin with paper liners or lightly grease each cup.
02 - In a large mixing bowl, whisk together pumpkin puree, mashed banana, eggs, vegetable oil, milk, and vanilla extract until the mixture is smooth.
03 - In a separate bowl, combine all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
04 - Add the dry ingredients into the wet mixture and gently stir with a spatula until just combined. Do not overmix to ensure tender crumb.
05 - Fold in chopped walnuts or pecans and chocolate chips if desired.
06 - Portion the batter evenly into the prepared muffin cups, filling each about three-quarters full.
07 - Place the muffin tin in the oven and bake for 20 to 22 minutes, or until a toothpick inserted into the center comes out clean.
08 - Allow muffins to cool in the tin for 5 minutes, then transfer to a wire rack to cool completely.