Preheat the oven to 350F.

In a large bowl, combine pancake mix and cinnamon. Set aside.

In a stand mixer, mix ripe bananas until thoroughly mashed.

Add unsweetened applesauce, milk, and sugar.

Combine dry mixture with wet mixture.

Add in chocolate chips.

Option: Grease a muffin pan or ready silicone cupcake holders and a baking sheet.

Bake for 20-24 minutes or until a toothpick comes out of the center clean.

Store covered on the counter or in the refrigerator.