Fudgy Chocolate Banana Flax Muffins

Name: Fudgy Chocolate Banana Flax Muffins
Ingredients: 1/2 cup organic coconut oil, softened to room temperature or melted; 1/4 cup packed light brown sugar; 4 medium overripe bananas, mashed; 2 tablespoons unsweetened applesauce; 1 teaspoon pure vanilla extract; 1/4 cup water; 2 large eggs; 1 1/2 cups whole-wheat flour; 1/4 cup good-quality cocoa powder; 1/2 cup wheat germ; 2 tablespoons ground flaxseed; 1 1/2 teaspoons baking soda; 1/2 teaspoon salt; 1/3 cup semisweet chocolate chips, pulsed in food processor or chopped