Pour the wet ingredients into the dry ingredients and stir together using a spatula until JUST combined.
Pour the batter into the prepared loaf pan. If desired, sprinkle chocolate chips down the center of the loaf and press them into the batter slightly. (Note: If you don’t press them in slightly, they’ll fall down to the sides of the loaf as the loaf bakes, and possibly burn.)
Bake for 42-47 minutes, or until a toothpick inserted into the center comes out clean.
Let the loaf cool in the pan for 10 minutes, then remove to a cooling rack and let the loaf cool completely for one hour.
Slice and serve. If you want to freeze the loaf for later, I recommend slicing the loaf before wrapping for the freezer.