Preheat your oven to 350F and line a muffin tray with muffin cups.
Add the flour, soda, powder, and salt to a medium mixing bowl and mix well. Set aside.
In a large mixing bowl cream the lard and sugars. Add the banana and mash until smooth. Then add the applesauce and vanilla and mix well. Add the dry ingredients all at once and mix until combined, but still with some lumps. Be sure not to overmix! Fold in the oats, chocolate, seeds, and coconut so they’re evenly distributed throughout the batter.
Fill the muffin cups all the way to the top. Place the tray in preheated oven.
Bake for 20 – 22 minutes, until the tops are golden brown and a fork inserted in the centre comes out clean.
Transfer to a cooling rack until ready to serve.