Preheat oven to 350℉ and spray an 8x8-inch pan with cooking spray.
Add all of the dry ingredients to a large mixing bowl. Mix and set aside.
In the bowl of a stand mixer, add the avocado oil, granulated sugar, and brown sugar. Mix together until combined for about 1 minute.
Next, add the egg, milk, and vanilla and mix to combine.
Slowly add the dry ingredients to the wet ingredients and mix until combined. Fold the apples into the batter.
Transfer the batter into the baking dish and set aside.
To make the cream cheese filling add the ingredients to a mixing bowl and mix using a hand mixer. Place spoonfuls of the cream cheese filling on top of the batter. Using the back of the spoon or a spatula gently spread the cream cheese on top.
To make the streusel topping add all of those ingredients into a bowl and mix using a fork or your fingers.
Sprinkle the streusel topping over the top of the coffee cake. Bake for 45 minutes.
Remove from oven and allow to cool for 10 minutes before cutting and serving.