Combine all of the ingredients (except walnuts and chocolate chips) into a mixer or blender.
Mix everything until smooth.
Gently stir in the walnuts and chocolate chips
Pour batter into a well greased loaf pan or muffin pan. Smooth batter evenly into the pan.
Place pan in the oven for 40 minutes until a knife comes out clean. Let the bread cool completely and serve.
Mini - muffins cook in 9-10 minutes
Large muffins cook in 20-25 minutes