To start, gather your ingredients. Preheat oven to 350 °F (175 °C).
Grease and flour a 5 1/2 x 4 1/2 inch loaf pan.
Begin by preparing the apples; peel and chop them into small cubes, allowing their natural sweetness to shine through in the bread.
Next, combine flour, baking powder, baking soda, salt, cinnamon, nutmeg, brown sugar, and oats in a large bowl. In a separate bowl, combine eggs, milk, and oil.
Gradually, add the liquid to the flour mixture and combine to create a smooth mixture. Fold in the chopped apple, nuts, and raisins, ensuring an even distribution throughout.
Finally, bake the bread for 55 to 66 minutes or until it turns a golden brown, filling your kitchen with an irresistible aroma. Let it cool before slicing, and enjoy the delicious combination of flavors.
