Preheat your oven to 350°F. Line a 12-cup muffin tin with paper or silicone liners.
In a large mixing bowl, combine mashed bananas, maple syrup, eggs, vanilla, coconut oil, and almond milk. Whisk until smooth and well blended.
In a separate bowl, whisk together oat flour, almond flour, rolled oats, baking soda, baking powder, cinnamon, and sea salt.
Gradually add dry ingredients to the wet mixture. Stir until just combined—be careful not to overmix, as this can lead to dense muffins.
Gently fold in the chocolate chips, reserving a few for topping.
Divide the batter evenly among the 12 muffin cups. Sprinkle with a few additional oats and chocolate chips if desired.
Bake for 25-27 minutes, or until a toothpick inserted into the center comes out clean.
Remove from the oven and let cool in the tin for about 5 minutes before transferring the muffins to a wire rack to cool completely.
Store muffins in an airtight container at room temperature for up to 4 days, or refrigerate for up to a week. You can also freeze them for up to 3 months.