Preheat your oven to 350°F (175°C) and line a baking sheet with parchment paper.
In a large bowl, combine the old-fashioned oats, almond flour, baking powder, baking soda, cinnamon, and salt. Mix thoroughly to ensure even distribution of dry ingredients.
In another bowl, mash the ripe banana until smooth. Add the unsweetened applesauce, melted coconut oil, and vanilla extract. Stir until well combined.
Pour the wet ingredients into the dry ingredients and mix until just combined. Be careful not to overmix.
Fold in the shredded coconut, chopped walnuts or pecans, and sugar-free dark chocolate chips (if using).
Using a tablespoon, drop spoonfuls of cookie dough onto the prepared baking sheet, leaving some space between each cookie.
Bake for 12-15 minutes or until the edges are golden brown and the centers are set. Keep an eye on them to avoid overbaking.
Remove from the oven and let the cookies cool on the baking sheet for a few minutes before transferring them to a wire rack to cool completely.