Preheat your oven to 350°F (175°C). Line a muffin tin with paper liners or lightly grease with nonstick spray.
In a large mixing bowl, add in the pumpkin puree, cottage cheese, bananas, eggs, melted butter, vanilla, and maple syrup. Using an immersion blender, blend until well combined.
In a separate bowl, whisk together the flours, baking soda, salt, and cinnamon.
Add the dry ingredients to the wet ingredients and stir gently with a spatula until just combined. Do not overmix—this helps keep the muffins light and tender.
Fold in the chocolate chips or chopped nuts.
Divide the batter evenly among two muffin tins (22-24 muffins). You can sprinkle a few extra chocolate chips on top if you like for a pretty finish.
Bake for 18–22 minutes, or until a toothpick inserted into the center comes out clean or with just a few moist crumbs.
Let cool in the pan for 5 minutes, then transfer to a wire rack to cool completely. Enjoy warm or at room temperature!