Creating your very own delicious Pumpkin Cream Cheese Bread is easy when you follow these simple steps:

1. Preheat Oven: Preheat your oven to 350°F (175°C) and grease a 9×5-inch loaf pan.
2. Mix Dry Ingredients: In a medium bowl, whisk together the flour, baking powder, baking soda, salt, cinnamon, nutmeg, and ginger.
3. Combine Wet Ingredients: In a large bowl, mix the pumpkin puree, sugar, vegetable oil, applesauce, eggs, and vanilla until smooth.
4. Combine Mixtures: Gradually stir the dry ingredients into the wet mixture until just combined. Be careful not to overmix.
5. Prepare Cream Cheese Mixture: In a separate bowl, beat the softened cream cheese, powdered sugar, and egg yolk together until smooth.
6. Layer Batter: Pour half of the pumpkin batter into the prepared loaf pan. Spoon the cream cheese mixture on top and swirl it gently with a knife. Pour the remaining pumpkin batter over the cream cheese layer.
7. Bake: Bake in the preheated oven for 55-65 minutes, or until a toothpick inserted in the center comes out clean.
8. Cool: Remove the loaf from the oven and let it cool in the pan for about 15 minutes. Then transfer to a wire rack to cool completely.
9. Slice and Serve: Once cooled, slice your Pumpkin Cream Cheese Bread, and if desired, serve with additional cream cheese or a sprinkle of cinnamon sugar.

With these straightforward steps, you will have created an incredible loaf of Pumpkin Cream Cheese Bread that is sure to impress!