Preheat oven to 350 degrees F. Prepare a muffin tin either with liners or greasing the openings. Place bananas in the bowl of an electric mixer and mix until creamy. Combine the bananas, apple sauce, oil, sugar, and egg in a bowl and mix until well combined. In a separate bowl, mix flour, gluten, baking powder, baking soda, and salt together. While mixing on lowest speed, add the dry ingredients to the wet and mix until just combined. Remove electric mixer and gently fold in the chocolate chips with a spoon. Divide batter evenly in muffin tin. Bake for 20 minutes. Remove and let cool on a cooling rack.