Preheat oven to 375 degrees and line a 12-cup muffin tin with liners.
Smash bananas in large mixing bowl. Add Truvia/sugar, egg, applesauce, and vanilla. Sift in flours, cocoa powder, salt, baking soda, and baking powder. Mix together until fully combined, but don't overmix. Set aside about 1 ½ tablespoons of the chocolate chips and add the rest to the batter. MIx in and divide batter between the cups. Sprinkle remaining chips on top.
Bake for about 15 minutes, until a toothpick inserted comes out with moist crumbs attached. Don't overbake. Let cool on rack for a couple of minutes and then remove muffins from pan to cool until just warm. Eat, or cool completely and store in an airtight container.
Notes
If using regular chocolate chips, just roughly chop them up. Feel free to add more if desired!
Nutritional information was calculated using Truvia, not sugar.