Chocolate Chip Banana Muffins With a Surprise Inside!

A few years ago I combined my chocolate chip muffins with my classic banana nut muffins to create a lovely sweet snack.  When I made a batch of them yesterday I decided to move the streusel from the top to the insides of each muffin because so often bits of the topping can come off especially after they have been frozen. I thought that this way it is safely trapped inside the muffin for a sweet surprise.

Success: they are perfect in texture, moisture and totally yummy with that bit of streusel filling that goes so well with the chocolate chips.  I left out my usual half cup of chopped walnuts; add some if you like…I was out of walnuts and wanted to keep it a bit simpler.


I don’t include a picture of the inside of a muffin as it really doesn’t photograph the filling very much; just bite into one and you will know it is there.

muffins, stuffed big pix

Chocolate Chip Banana Muffins

2 cups brown rice flour mix (see below)

2/3 c granulated sugar or coconut palm sugar

1 tbsp. baking powder

1 tsp. baking soda

¾ tsp xanthan gum

¼ tsp salt

1 tsp cinnamon

3/4 to 1 c packed ripe mashed banana

¼ cup mini chocolate chips and ¼ cup dark chocolate chips (or any combo of chips that adds up to 1/2 cup total)

2 lg eggs beaten

½ c milk plus 2 tbsp extra if you use coconut sugar, 1 or 2 percent

½ c canola oil



½ cup old fashioned oats

¼ cup brown sugar

2 tbsp. hemp hearts or almond flour (I used hemp hearts this time; awesome!)

½ tsp. cinnamon

2 tbsp. butter

Mix filling dry ingredients, rub butter in with your fingertips.


Muffin directions:

Heat oven to 350 degrees, placing the rack in middle of oven.  Spray muffin pans with cooking spray.  One batch makes about 14 or 15 muffins.

Mix all dry ingredients in bowl of stand mixer or big bowl.

Add bananas; stir to coat them with dry mix, then add the chocolate and stir briefly.

Combine milk and oil.  Add liquids and the two eggs to bowl. Stir on low until well blended.

Fill muffin pans 1/3 full.  Sprinkle with filling and top with another glop of batter to fill the pan about 2/3 to 3/4 full.  It doesn’t have to look perfect; the batter will rise and swallow up the streusel into the heart of the muffin.  I had a bit of filling left over so I sprinkled it on top of half the muffins. That looked great too!

Bake 20-22 min until golden brown. Do not overbake or they get dry.  Remove from oven and let cool 5-6 min before gently turning them out from the pans to cool on a rack. I use a butter knife to release them by running it around the edge once before tipping them out. They freeze well for up to 3 weeks.  They keep in my ceramic muffin/cookie jar for a few days.   muffins, stuffed, baked

Brown Rice Flour Mix   *same as King Arthur’s GF flour blend
2 c brown rice flour

2/3 c potato starch

1/3 c tapioca flour

Note: This muffin recipe is my third generation version of the banana muffins from Annalise Roberts’s wonderful cookbook: Gluten Free Baking Classics.

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