Prepare the Crisp Topping: In a mixing bowl, combine the flour, oats, brown sugar, cinnamon, and nutmeg. Mix in melted butter until resembling wet sand. Cover and refrigerate.

Make Bread Dough: Beat together softened butter, granulated sugar, and vanilla until fluffy. Add eggs one at a time, mixing well after each addition.

Combine Dry Ingredients: Whisk together flour, baking powder, and salt. Gradually add to wet ingredients alternating with milk, mixing just until combined.

Make Cheesecake Filling: Blend cream cheese with granulated sugar and flour. Add egg and mix until smooth.

Assemble Bread: Preheat oven to 350°F. Spread half the batter in a loaf pan, layer half the apples, then cheesecake filling, then the remaining batter and apples, topped with crisp topping.

Bake the Bread: Bake for 55-70 minutes or until a toothpick comes out clean. Cover with foil if browning too quickly.

Cool & Glaze: Cool in pan for 20-30 minutes, then transfer to a rack. Mix powdered sugar, milk, and vanilla to glaze and drizzle over the bread.