01 -
Heat your oven to 350°F (175°C). Grease a 9x5x2.5-inch loaf pan with non-stick spray. Add parchment to overhang on the sides—this helps lift it out easily.
02 -
In a bowl, combine the white sugar, brown sugar, a pinch of salt, cinnamon, and flour. Drizzle in the butter and use a fork to mix until clumps form. Set aside.
03 -
Grab a small bowl and whisk together the flour, baking powder, salt, cinnamon, ginger, and nutmeg. Put it aside for later.
04 -
In a large bowl, mix the eggs, sour cream, oil, both sugars, and vanilla. Once fully blended, fold in the grated carrots with a spatula.
05 -
Slowly mix the dry ingredients into the wet mix. Stir until you no longer see dry flour. Add in nuts now if you're using them.
06 -
Take another bowl and beat together the cream cheese, egg, sugar, flour, and vanilla. Use the lowest speed and stop as soon as it looks smooth.
07 -
Pour half the carrot batter into the pan. Smooth out the cream cheese mixture on top. Spread the remaining carrot batter, and finish with a thick sprinkle of crumble topping.
08 -
Bake for about 55–65 minutes. If the top gets too browned by 30 minutes, loosely cover with foil. Check readiness with a toothpick—it should come out mostly clean with crumbs, not wet batter.