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

2. In a small bowl, toss diced apples with 1/4 cup brown sugar and 1/2 teaspoon cinnamon. Let sit while prepping batter.

3. In a large mixing bowl, whisk together flour, baking powder, remaining cinnamon, and salt.

4. In another bowl, mix melted butter, granulated sugar, remaining brown sugar, eggs, milk, and vanilla until smooth.

5. Gradually add the dry ingredients to the wet mixture. Stir until just combined.

6. Pour half the batter into the loaf pan. Top with half the apple mixture and a sprinkle of cinnamon sugar.

7. Repeat layering with remaining batter and apples. Swirl lightly with a knife.

8. Bake for 50–60 minutes, or until a toothpick comes out clean from the center.

9. Cool in the pan for 10 minutes, then transfer to a wire rack.

10. Drizzle warm caramel sauce over the top. Let it set before slicing.