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Preheat the oven to 375 degrees F (190 degrees C). Spray an 8 1/2 x 4 1/2-inch loaf pan with cooking spray.
Combine flour, wheat germ, chocolate chips, baking soda, baking powder, cinnamon, cloves, and ginger in a large bowl.
Mix applesauce, pumpkin, and sugar together in a small bowl. Add wet ingredients to dry ingredients; mix until well combined. Transfer to the prepared loaf pan.
Bake in the preheated oven until a toothpick inserted into the center comes out clean, about 45 minutes. Cool on a wire rack for 5 minutes. Run a table knife around the edges to loosen. Invert carefully onto a serving plate or cooling rack. Let cool completely.