Preheat oven to 350.
Combine first 3 ingredients in a large bowl; beat well at medium speed of a mixer. Combine banana, oats, and milk; add to sugar mixture, beating well. Combine flour, whole wheat flour, baking powder, baking soda, salt and cinnamon; stir with a whisk. Add to sugar mixture; beat just until moist. Fold in chocolate chips.
Spoon batter into 4-mini loaf pans coated with cooking spray. Bake for 35-40 minutes or until a toothpick inserted in center comes out clean. (Can make 24 muffins, 16 minutes in oven.) Cool 10 minutes in pan on a wire rack; remove from pan. Cool completely on wire rack.
5+ Large scoops per loaf