1. Preheat oven to 350°F (175°C) and grease a 9×5-inch loaf pan.

2. In a medium bowl, whisk together flour, baking powder, baking soda, salt, and cinnamon.

3. In a large bowl, beat butter and brown sugar until creamy. Add eggs, sour cream, and vanilla; mix until smooth.

4. Stir dry ingredients into wet ingredients until just combined. Fold in chopped apple.

5. In another bowl, mix cream cheese, sugar, egg, and vanilla until smooth.

6. Pour half of the bread batter into the loaf pan, then spread the cheesecake layer evenly over it.

7. Top with the remaining bread batter.

8. In a small bowl, mix oats, brown sugar, flour, cinnamon, and melted butter to form a crumbly topping. Sprinkle over the top.

9. Bake for 55–65 minutes, or until a toothpick inserted in the center comes out clean.

10. Cool completely before slicing for clean layers.