Preheat over to 350 degrees and grease standard loaf pan.
Mix together all ingredients for cream cheese filling. Put in a bowl and put to the side.
In mixer, mix flour, baking powder, baking soda, cinnamon and sugar.
Add milk, oil and eggs to mixture.
Slowly add diced apples while mixing.
Pour half of batter in loaf pan.
Pour and spread cream cheese mixture on top of the batter.
Pour the rest of the apple batter over the cream cheese mixture.
Depending on your oven, bake for about 60 minutes. It may need to take longer so be sure to check.
Let it cool and enjoy!