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Pumpkin Chocolate Chip Bread With Cream Cheese Swirls

Pumpkin chocolate chip bread with cream cheese swirls is a moist, spiced loaf with melty chocolate chips and a ribbon of tangy cream cheese. The batter bakes up tender and studded, while the swirl stays creamy and visible in every slice.
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Prep Time 1 hour 10 minutes
Cook Time 1 hour
Total Time 2 hours 10 minutes
Servings: 10 servings
Course: Dessert, Snack
Cuisine: American
Calories: 330
Ingredients Equipment Method Notes

Ingredients
  

Dry ingredients
  • 1.75 cup all-purpose flour
  • 1 tsp baking soda
  • 1 tsp cinnamon
Pumpkin bread batter
  • 1 cup pumpkin puree
  • 0.5 cup vegetable oil
  • 2 eggs
  • 1 cup granulated sugar
  • 1 cup semisweet chocolate chips
Cream cheese swirl
  • 8 oz cream cheese Soften before mixing so it swirls smoothly.
  • 0.25 cup powdered sugar

Equipment

  • 1 sheet pan

Method
 

Mix the dry ingredients
  1. Whisk all-purpose flour, baking soda, and cinnamon together until evenly combined and no streaks of spice remain.
Make the pumpkin batter
  1. Beat pumpkin puree, vegetable oil, eggs, and granulated sugar until smooth and glossy, then pour into the dry ingredients and fold until just combined.
Add chocolate chips
  1. Fold in semisweet chocolate chips until the batter is evenly dotted.
Prepare the cream cheese swirl
  1. Beat cream cheese with powdered sugar until smooth, thick, and spreadable.
Assemble loaf with swirls
  1. Pour half the batter into a greased loaf pan, dollop the cream cheese mixture on top, and swirl gently with a knife.
  2. Top with the remaining batter and swirl again so streaks of cream cheese run through the loaf.
Bake
  1. Bake at 350°F for 55-60 minutes, until a toothpick comes out mostly clean with a few moist crumbs.

Notes

Pro tip: for cleaner swirls, soften cream cheese fully and use a light hand when swirling—stop as soon as ribbons form to avoid fully blending. Store the cooled loaf tightly wrapped in the fridge for up to 4 days; freeze wrapped for up to 3 months (thaw overnight in the refrigerator). Freezing is yes—freeze slices for faster thawing. For a dairy-free swap, use a dairy-free cream cheese alternative (look for one that softens well for swirling).