Preheat oven to 350F degrees. Grease a 1/3-cup muffin pan or line with paper cups .
In a bowl combine bananas, milk, oil, sugar, vanilla and egg. In another bowl whisk together dry ingredients – flours, oats, cinnamon and baking powder. Add dry mixture to wet mixture, mix well. Dust apples, raisins, and walnuts (if using) lightly to cover with flour, then fold inches.
Spoon the mixture evenly into muffin cups. Bake for 20-25 minutes or until tester comes out clean.
Make sure you remove muffins immediately after they are done. Let them cool on a wire rack.