Note: There is no extra sugar added to this recipe. The sweetness of the bread comes from the roasted bananas and chocolate chips. If extra sweetness is desired add 1/2 cup honey or brown sugar.
Preheat oven to 400F. Place bananas, with skin on, on a baking sheet. Place in preheated oven for 10 to 15 minutes until skin turns solid black. Remove from oven and cool until easy to handle. Peel bananas and remove flesh. Mash and set aside.
Lower temperature of oven to 325F. Grease and flour a 9x5-inch loaf pan.
In a mixing bowl, combine bananas, egg, vegetable oil, and milk. Stir to combine. Combine flours, flax seed, baking powder, baking soda, and salt. Add to wet ingredients and stir until combined. Stir in chocolate chips and pecans.
Pour batter into prepared loaf pan. Bake on center rack 60 to 70 minutes, until knife inserted into center of loaf comes out clean. Remove from oven and cool on a wire rack.