Prep the pan and oven. Heat the oven to 350°F (175°C).
Line a 12-cup muffin pan with paper liners or lightly grease it. This helps the muffins release easily and keeps the edges tender.
Whisk the dry ingredients. In a large bowl, whisk the flour, baking powder, baking soda, salt, cinnamon, ginger, and nutmeg. This evenly distributes the leaveners and spices so you don’t get pockets.
Mix the wet ingredients. In a separate bowl, combine pumpkin puree, mashed banana, eggs, applesauce, oil (or melted butter), vanilla, and maple extract if using.
Whisk until smooth and fully combined.
Bring it together. Pour the wet mixture into the dry. Stir with a spatula just until you no longer see dry streaks. Do not overmix; a few small lumps are fine. Fold in any optional add-ins.
Portion the batter. Divide the batter evenly among the 12 muffin cups.
They should be about 3/4 full. Sprinkle pepitas on top if you like a bit of crunch.
Bake. Place the pan on the middle rack and bake for 18–22 minutes. The muffins are done when the tops spring back lightly and a toothpick comes out clean or with a few moist crumbs.
Cool. Let the muffins rest in the pan for 5 minutes, then transfer to a wire rack to cool completely.
This helps set the structure and keeps the bottoms from getting soggy.
Taste and adjust. After one muffin cools, taste it. If you prefer a sweeter profile next time, see the Alternatives section for adjustments that keep the recipe sugar-free.