Step 1: Preheat oven to 350 degrees F.
Step 2: Line 12 muffin tins with paper liners.
Step 3: In a bowl, whisk flour, oats, bran, baking powder, baking soda and salt.
Step 4: In another bowl, whisk egg, oil and brown sugar together.
Step 5: In a small bowl mix together the mashed banana, buttermilk and molasses; mix into the oil mixture until well combined (If you are adding in a chopped apple, peel the apple now, then mix it in with the flour mixture).
Step 6: Make a well in the center of the flour mixture. Add in the banana/oil mixture stirring with a wooden spoon or a spatula only to combine (do not overmix, don't worry about any lumps).
Step 7: Gently stir in raisins and nuts.
Step 8: Divide evenly between prepared muffin cups (almost to the top).
Step 9: Bake for 20-22 minutes, or until muffins tops spring back when lightly touched, and a toothpick comes out clean when inserted in the center of the muffin.
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