When it comes to loaf breads, I generally think that the ones with a hidden surprise in the middle are the best. I mean, who couldn’t do without a secret ribbon of cream cheese running through the center? But this particular bread offers so much more than a ribbon of cream cheese. See, Cream Cheese Apple Crisp Bread has a nice thick layer of cream cheese filling, sure, but there’s also cinnamon-kissed apples and an oat streusel topping. And they’re in there multiple times. Dream bread come true? Maybe so.

I’m not going to lie to you — this bread has four different components and it’s a little bit involved. Is it hard? No. It just takes a little bit of time. But the best things are worth some effort, aren’t they?

You need all the usual baking pantry stuff — flour, sugar, baking powder, salt, and the like — but also cream cheese (maybe that much was obvious), apples (also obvious), and oats. You’re basically going to make four components, but many of those ingredients are repeated in those components.

There’s the batter — a single bowl situation where you start by creaming together butter and sugar. Easy. There’s the apple filling — a situation where you dice two apples and toss them with cinnamon and sugar. Also easy. There’s the cream cheese filling — where you sugar, flour, and egg. Anyone can handle that. And then there’s the streusel — mix some oats and flour with cinnamon, sugar, and melted butter. Simple.

The assembly isn’t all that tricky either. You layer half of the batter in a loaf pan and top that with half of the apples. All of the cream cheese mixture goes on top, and it helps to dollop it on and gently smooth it out — don’t take it all the way to the edge of the pan, leave a border. Then comes the rest of the batter, which you spread out to cover the cream cheese layer. Next up is the remaining apples and finally alllll the streusel topping.

I don’t know about you but I love a streusel topping. And a cream cheese ribbon. And apples cooked in cinnamon and sugar. In other words, there’s a whole lot to love about this bread.