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