01 - Preheat oven to 350°F. Line a 12-cup muffin tin with paper liners or lightly grease the cups.
02 - In a large mixing bowl, whisk together pumpkin puree, mashed banana, eggs, oil, milk, and vanilla extract until smooth and fully combined.
03 - In a separate bowl, mix the all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, ground cinnamon, nutmeg, and ginger until uniform.
04 - Add the dry ingredients to the wet mixture and gently fold until just combined, ensuring not to overmix.
05 - Gently fold in chopped nuts or chocolate chips if desired.
06 - Divide the batter evenly into prepared muffin cups, filling each about three-quarters full.
07 - Bake for 20 to 22 minutes, or until a toothpick inserted into the center of a muffin comes out clean.
08 - Allow muffins to cool in the pan for 5 minutes, then transfer them to a wire rack to cool completely before serving.