Preheat your oven to 350°F (175°C) to ensure even baking.
Lightly grease your loaf pan with cooking spray or vegetable oil.
Mash the ripe bananas in a large mixing bowl until smooth.
Add granulated sugar, unsweetened applesauce, vegetable oil, eggs, and vinegar (or lemon juice) to the bananas and whisk until combined.
In another bowl, combine all-purpose flour, whole wheat flour, baking soda, and salt. Mix well.
Slowly add dry ingredients to wet ingredients and gently fold with a rubber spatula.
Stir in unsweetened vanilla almond milk until just combined. Fold in mini chocolate chips if using.
Pour the batter into the prepared loaf pan and smooth the top.
Bake for 55-65 minutes or until a toothpick inserted comes out clean. Cover with foil if browning too quickly.
Cool in the pan for 10 minutes, then transfer to a wire rack to cool completely before slicing.