Preheat the oven to 350 degrees F (175 degrees C).
Combine flour, oat flour, baking soda, baking powder, salt, cinnamon, ginger, nutmeg, and cloves in a bowl.
Combine butter, brown sugar, and white sugar in a separate bowl and mix well using an electric mixer. Add eggs, yogurt, and vanilla extract and mix again on medium speed. Add pumpkin purée and mashed bananas; blend. Fold in chocolate chips and pecans. Stir flour mixture into batter.
Combine granola, chocolate chips, and pecans in a bowl and set topping aside.
Spoon batter into the prepared muffin cups, filling each 2/3 full. Sprinkle with topping.
Bake in the preheated oven until a toothpick inserted in the center comes out clean, 25 to 30 minutes.
Nutritional Facts
Per 12 servings
Calories: 427
Carbohydrate: 51g
Fat: 24g
Fiber: 5g
Protein: 7g
Sugar: 29g
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