Preheat your oven to 350°F (175°C). Grease a 9x5-inch loaf pan or line it with parchment paper for easy removal.

In a medium bowl, whisk together the flour, baking soda, salt, cinnamon, and nutmeg. Set this aside for later use.

In a large mixing bowl, combine the granulated sugar, brown sugar, and vegetable oil. Mix until well combined, then add the eggs one at a time, beating well after each addition. Stir in the vanilla extract.

Gradually add the dry ingredients to the wet mixture, stirring until just combined. Be careful not to overmix; the batter should be slightly lumpy.

Fold in the diced apples, and if desired, add the chopped nuts and raisins or cranberries. Ensure they are evenly distributed throughout the batter.

Pour the batter into the prepared loaf pan, smoothing the top with a spatula.

Bake for 50–60 minutes, or until a toothpick inserted into the center comes out clean. If the top is browning too quickly, tent it with aluminum foil to prevent over-browning.

Once baked, remove the pan from the oven and allow the bread to cool in the pan for about 10 minutes. Then transfer it to a wire rack to cool completely before slicing.