Preheat oven to 350
Mix dry ingredients together and set aside.
In a mixer, or blender, mix together egg, honey, butter, milk, bananas, applesauce, and lemon zest. Use hand mixer to mix until smooth, or blend until smooth.
Pour over dry ingredients, mix together by hand until incorporated
At this point, stir in nuts, chocolate chips, coconut (if desired)
Pour into 2 8.5 x 4.5 inch loaf pans sprayed with cooking spray
Bake for approximiately 60 minutes, until a knife inserts in center comes out clean