Prep: Preheat oven to 350°F (175°C). Grease a 9x5-inch loaf pan.
Dry Mix: In a bowl, whisk flour, baking soda, salt, cinnamon, and nutmeg.
Wet Mix: In another bowl, beat eggs, sugars, oil, milk, and vanilla until smooth.
Combine: Fold dry ingredients into wet mix until just combined. Avoid overmixing.
Add Apples: Gently stir in chopped apples and walnuts (if using).
Bake: Pour batter into the loaf pan. Bake 50–60 mins or until a toothpick comes out clean.
Cool: Let it rest in the pan for 10 mins, then transfer to a wire rack.