Preheat to 350º F. Spray one or two cookie sheets with cooking spray.
In a medium bowl, combine oats, flour, baking powder, baking soda, salt, cinnamon, and graham crackers. Mix well with a wire whisk and set aside.
In a large mixing bowl, combine sugars. Then add coconut oil until blended. Now add applesauce and mix and then the egg and blend until smooth.
Add in the flour mixture and blend only until just combined. Add in chocolate just until incorporated. Don't overmix!
Drop dough by tablespoon onto prepared cookie sheets, 2 inches apart. Bake for 10 minutes and then pull cookie sheet from oven. Place a half of marshmallow on top of each cookie and then place in the oven for another 3-5 minutes.
(The marshmallows tend to slide off the cookies at the end of baking. I found that putting a slight indentation in the top of the cookies before baking helped keep the marshmallows from sliding off as much.)