Preheat oven to 325 ℉. Prep a 12 cup muffin pan by greasing it, or use a silicone muffin pan (or silicone liners) to keep it oil-free.
In a large bowl, combine all dry ingredients: flour, organic cane sugar, baking powder, baking soda, salt, cinnamon, and nutmeg.
In a medium bowl, combine all wet ingredients: mashed bananas, unsweetened applesauce, unsweetened dairy-free milk, and vanilla extract.
Add the wet ingredients to the dry ingredients and stir until just combined. (In order to keep them light and fluffy, do not overmix.) Gently fold in the chocolate chips.
Spoon batter into a silicone (or greased) 12 cup muffin pan filling them about halfway (you can distribute any excess batter between them once they are all filled). Bake at 325 ℉ for 18 - 20 minutes or until a toothpick inserted comes out clean.
Allow to cool in the pan for at least five minutes, then transfer muffins to a wire rack to finish cooling.