01 - Preheat oven to 350°F. Place paper liners in a muffin tin or lightly grease each cup.
02 - In a large bowl, whisk together pumpkin puree, mashed banana, eggs, vegetable oil, milk, and vanilla extract until smooth.
03 - In a separate bowl, combine all-purpose flour, granulated sugar, brown sugar, baking soda, baking powder, salt, ground cinnamon, ground nutmeg, and ground ginger.
04 - Add the dry ingredients to the wet mixture and gently mix until just combined. Avoid overmixing.
05 - Carefully fold in chopped walnuts, pecans, or chocolate chips if desired.
06 - Evenly divide the batter between the muffin cups, filling each approximately three-quarters full.
07 - Bake in preheated oven for 20 to 22 minutes, or until a toothpick inserted into the center of a muffin emerges clean.
08 - Allow the muffins to cool in the tin for 5 minutes before transferring to a wire rack to cool completely.