Preheat the oven to 350 degrees Fahrenheit and line a muffin tin with 9 muffin papers.
Pour two cups of rolled oats into a high-speed blender and blend until a flour forms. This will take about 20 to 30 seconds on a high power.
Mash the bananas in a large mixing bowl until creamy.
Grate a medium-sized zucchini using a box grater and measure out 1 cup of grated zucchini. Transfer the grated zucchini to the bowl with the mashed bananas, along with the eggs, vanilla extract, oil, and lemon juice. Mix everything together until well-combined (wet ingredients).
Add the dry ingredients (oat flour, baking soda, sea salt, and ground cinnamon) to the bowl with the wet ingredients. Mix until everything is well-combined.
Stir in the chocolate chips (if adding).
Transfer the zucchini muffin batter into the lined muffin pan, filling them almost all the way up with batter.
Bake on the center rack of the preheated oven for 20 to 25 minutes, or until the muffins test clean.
Remove the muffins from the oven and allow them to cool for at least 30 minutes before peeling off the muffin papers to enjoy with a cup of coffee or tea.