Preheat the Oven:
Preheat your oven to 350°F (175°C). Grease and line a 9x5-inch loaf pan with parchment paper for easy removal.
Make the Apple Loaf Batter:
In a medium bowl, whisk together the flour, baking powder, baking soda, cinnamon, nutmeg, and salt. Set aside.
In a large bowl, whisk the melted butter, granulated sugar, and brown sugar until smooth.
Add the eggs, vanilla extract, and milk, mixing until well combined.
Gradually fold in the dry ingredients until just incorporated. Be careful not to overmix.
Gently fold in the diced apples.
Prepare the Cheesecake Swirl:
In a separate bowl, beat the softened cream cheese, sugar, egg, and vanilla extract until smooth and creamy.
Assemble the Loaf:
Pour half of the apple loaf batter into the prepared pan and spread it evenly.
Spoon the cheesecake mixture on top, spreading it into an even layer.
Top with the remaining apple loaf batter, spreading gently to cover the cheesecake layer.
Use a knife to swirl the layers together lightly for a marbled effect.
Bake the Loaf:
Bake in the preheated oven for 50–60 minutes, or until a toothpick inserted into the center comes out clean.
Let the loaf cool in the pan for 10 minutes, then transfer it to a wire rack to cool completely.
Serve and Enjoy:
Slice and serve at room temperature or slightly warm. Pair with a cup of coffee or tea for a cozy fall experience.