Preheat your oven to 425°F. Line a 4x8" baking pan with parchment paper. Then spray lightly with non-stick cooking spray. If grinding your own oat flour, measure 2-3/4 cups of oats and grind them in your blender. I love using my Nutribullet because it only takes about six seconds.
Add the bananas, honey, oil, cottage cheese, vanilla, apple cider vinegar, and almond extract to a medium-sized mixing bowl. Then blend them until smooth using an immersion blender. Or you can mix them all together in an upright blender. This will eliminate the cottage cheese curdled texture and banana chunks.
Add the eggs and egg white and whisk until blended.
Add the oat flour, cocoa powder, baking powder, baking soda, baking powder, cinnamon, and salt to the mixing bowl. Gently whisk just until the ingredients are blended. You do not want to overmix.
Add almost all of the chocolate chips. Gently mix with a spatula until all the ingredients are evenly distributed.
Pour the batter into your prepared pan. Sprinkle remaining chocolate chips on top. Bake for 10 minutes at 425°F. Then leave the bread in the oven, turn down the heat to 350°F, and bake for an additional 38-42 minutes or until a toothpick comes out clean.