Step 1: Preheat oven to 325 degrees F.
Step 2: Grease two 8×4-in loaf pans (or can use mini loaf pans).
Step 3: In a medium bowl combine all cream cheese filling ingredients until smooth and well blended; set aside.
Step 4: For cake; in a medium bowl sift 1-2/3 cups all-purpose flour, baking soda, salt, cinnamon, cloves, ginger and nutmeg then set aside.
Step 5: In large mixing bowl combine the pumpkin puree, oil, 2 eggs and 1-1/2 cups sugar; beat well.
Step 6: Stir the pumpkin mixture into the flour mixture just until combined.
Step 7: Stir in the nuts (if using).
Step 8: Pour half of the pumpkin bread batter evenly into prepared loaf pans.
Step 9: Soon cream cheese mixture on top of batter, and then pour on the remaining pumpkin batter.
Step 10: Bake for 60-70 mins (if using the 8×4 pans), bake for a shorter time for mini loaf pans.
Step 11: Cool in pans for 10-15 minutes.
Step 12: Remove to a rack to cool completely.
Step 13: Store wrapped tightly in the refrigerator.
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