Preheat the oven to 350℉ and grease your baking pan. If using a bundt or angel food cake pan, make sure it is very well greased so the cake slides out easily.
In the bowl of a mixer (or large bowl + hand mixer), combine the flour, baking powder, baking soda, salt, cinnamon, nutmeg, ginger, brown sugar, and granulated sugar until well mixed.
Cut the butter into a few large slices. While running your mixer on low speed, add the butter one piece at a time. Then slowly drizzle in the oil and turn the mixer up to medium speed until the mixture resembles sand (2-3 minutes). Scrape down the sides of the bowl
Beat in the eggs, one at a time, followed by the vanilla, until the mixture resembles a thick paste.
Whisk the milk and sour cream together in a large measuring cup and quickly microwave for 20 seconds to bring the mixture up to room temp. Then, while running your mixer on low speed, slowly stream in the liquid to incorporate it into the batter. Don't try to force the liquid in too quickly--it took me almost a minute to add all of it in.
Continue beating until the batter is smooth and then fold in ¾ of the chopped apples.
Pour ½ of the batter into the baking pan, then sprinkle the cinnamon sugar filling on top in an even layer. Top with the remaining ½ batter, the remaining apples, and then lastly the crumble topping.
Bake for 57-65 minutes, or until a toothpick comes out clean. If you're using a rectangular 9"x13" pan, place the pan onto a wire rack to cool completely. If you're using an angel food or bundt cake pan, let the cake rest for 10 minutes in the pan before flipping out onto a large plate (and then flipping again so the crumble side is facing up).