Preheat the oven to 375°F and line or grease a muffin tin.
In a small bowl, whisk together the egg substitute and water until fully combined. Set aside.
In a separate bowl, whisk together the almond flour, flour, oats, baking soda, cinnamon, and nutmeg.
In a large bowl, mash the banana until smooth. Add the prepared egg mixture, oil, pumpkin purée, maple syrup, and milk. Stir until well combined, then mix in the shredded carrots.
Add the wet ingredients to the dry ingredients and mix until just combined—don’t overmix.
Fold in walnuts and raisins.
Divide the batter evenly into the muffin tin. Bake for 30–35 minutes, or until golden brown and a toothpick inserted into the center comes out clean.