Preheat the oven to 350°F. Spray a muffin pan with olive oil or nonstick ingredient of choice.
In a large bowl, mix together the oat flour, cocoa powder, baking powder, and salt.
Add eggs, bananas, milk, coconut oil, apple sauce, stevia, and vanilla. Mix well. Fold in chocolate chips and mix until evenly incorporated.
Spoon batter into muffin pan until 3/4 of the way full. Place in the oven to bake for approximately 16-24 minutes. Insert a toothpick in the middle to test and ensure the muffins are cooked all the way through -- toothpick should come out clean with a few muffin crumbles on it.
Once the muffins are finished, allow them to cool completely for 1-3 hours. Enjoy!