Preheat the oven to 350°F (175°C) and line a muffin tin with paper liners.
In a large bowl, mash the ripe bananas until smooth.
Add the honey (or maple syrup) and applesauce to the mashed bananas.
Mix until well combined.
In a separate bowl, combine the whole wheat flour, oats, baking powder, baking soda, cinnamon, and salt.
Gradually add the dry ingredients to the wet banana mixture.
Stir until just combined; do not overmix.
If using, fold in nuts or chocolate chips.
Spoon the batter evenly into the muffin cups.
Bake for 20-25 minutes or until a toothpick inserted in the center comes out clean.