01 - Set oven to 350°F and line a muffin tin with paper liners or lightly grease each cup.
02 - Combine pumpkin puree, mashed banana, eggs, oil, milk, and vanilla in a large mixing bowl. Whisk until homogenous.
03 - In a separate bowl, blend flour, granulated sugar, brown sugar, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger.
04 - Gently stir the dry ingredient mixture into the wet mixture until just combined. Avoid overmixing.
05 - Fold in chopped nuts or chocolate chips if desired.
06 - Distribute batter evenly among 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 emerges clean.
08 - Allow muffins to cool in the tin for 5 minutes, then transfer to a wire rack to cool completely.