Preheat oven to 350.
Grease or spray loaf pan with cooking spray. Set aside.
Whisk together flour, baking soda, salt, cinnamon, and nutmeg.
In another bowl, beat together eggs, vegetable oil, applesauce, vanilla, sugar and brown sugar.
Gradually add dry ingredients to the wet ingredients and mix just until combined.
Fold in chopped apples. Set aside.
In a large bowl beat cream cheese until fluffy.
Add remaining cream cheese layer ingredients and beat until combined.
Pour/spread about 2/3 of the batter into the prepared pan.
Using a spatula, lightly smooth and level the batter.
Pour cream cheese layer mixture evenly over the bread.
Using a spatula, lightly smooth and level the cream cheese layer.
Pour/spread the remaining batter into the prepared pan.
Using a spatula, lightly smooth and level the batter without disturbing the cream cheese layer.
Bake the bread for 50 minutes until a toothpick inserted comes out clean.