Preheat oven to 350F. Grease muffin tins or use cupcake liners (makes about 24 muffins).
In a large bowl, mix bananas, sugar substitute, zucchini, applesauce, eggs, brown sugar substitute, and vanilla extract.
In a separate bowl, combine flour, cinnamon, nutmeg, ginger, salt, baking soda, and baking powder.
Add the dry ingredients to the wet ingredients a little at a time until combined. Fold in sugar free chocolate chips.
Fill muffin tins 2/3 full and bake for 20 minutes.