Preheat the oven to 350°F. Line a 12- or 6-cup muffin pan with paper liners.
Mix the flours, sugar, baking powder, baking soda, and salt together in a large bowl. Then, mix in the eggs, milk, vanilla, and oil until evenly incorporated. Next, fold in the mashed bananas, granola, and coconut.
Scoop the mixture into the prepared muffin cups. (You will have additional batter left over.) Sprinkle with banana chips.
Bake for 25 minutes in the preheated oven, or until a knife inserted in the center of each muffin comes out clean.
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