01 - Preheat oven to 350°F. Line a muffin tin with paper liners or lightly grease each well.
02 - In a large mixing bowl, whisk pumpkin puree, mashed banana, eggs, oil, milk, and vanilla extract until fully blended.
03 - In a separate bowl, thoroughly combine all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
04 - Add the dry ingredients to the wet mixture and stir gently until just combined. Avoid overmixing.
05 - Fold in chopped nuts or chocolate chips if desired.
06 - Evenly divide the batter among the muffin tin cups, filling each about three-quarters full.
07 - Bake for 20 to 22 minutes, or until a toothpick inserted in the center emerges clean.
08 - Allow muffins to rest in the pan for 5 minutes, then transfer to a wire rack to cool completely.