Preheat the oven to 350 degrees.
Begin with room temperature ingredients, as coconut oil clumps when cold.
Mix the dry ingredients in a large bowl (flours, baking powder, baking soda, and salt).
In a separate smaller bowl, whisk together the oil and sugar until well combined.
Then, whisk in the vanilla, applesauce, milk, and stevia.
Add the oil/sugar mixture, as well as the chocolate to the dry mix and stir until all dry ingredients are moistened.
Because these are lower in sugar, they won't spread, so you have to form the cookies with your hands.
Place them onto a parchment paper-lined baking sheet and bake for 8-10 minutes, or until golden.
Once the cookies come out, press down on the tops a bit to deflate some of the air. This helps with overall texture.
Let them sit for about 10 minutes to help them hold their shape.