Banana Pudding Cupcakes

Cupcakes:

box vanilla cake mix, plus ingredients to prepare (Use whole milk or buttermilk in place of water)

OR from scratch using 1 recipe Old Fashioned Butter Cake

For the filling:

[8 oz] container spreadable light cream cheese, softened

[14 oz] can sweetened condensed milk

whole milk

[3.4 oz] package instant vanilla pudding mix

[16 oz] container frozen whipped topping, thawed & divided

bananas

pure vanilla extract

crushed vanilla wafer crumbs for garnishing