Preheat the oven to 375 degrees and line a 12 cup muffin tin with paper liners.

In a large bowl mash the bananas with a fork or a berry masher then stir in the sugar, egg, and applesauce. Stir or whisk well until egg and banana are completely incorporated.

Place a sifter over the banana mixture then sift the flours, cocoa, salt, baking soda, and baking powder into the bowl. Use a wooden spoon to stir together until just incorporated. The batter will be lumpy. Gently fold in chocolate chips.

Divide the batter evenly between the twelve muffin cups. You can fill them all the way to the top, because these don't rise a lot. Bake for 18-20 minutes or until toothpick inserted in the center comes out clean. Allow to cool enough to handle, then remove to a rack to cool completely.