Preheat oven to 350 degrees F. Grease the bottom of a 9 x 13-inch pan. Set aside.
Prepare crumbs by mixing all the crumb ingredients. More flour may be added until desired crumb density is achieved.
Using a heavy stand mixer, place butter and cream cheese in the bowl and cream very well.
In a separate bowl, beat together the milk, eggs and vanilla. Add gradually to the creamed mixture, beating until all liquid is incorporated. Add the baking soda, baking powder and salt. Beat until blended.
Add the flour and the sugar, beating well and until mixture is fully incorporated and very smooth.
Turn into prepared pan and even out batter. Distribute crumbs evenly across the top of the batter.
Bake at 350 degrees F for 30-35 minutes, or until toothpick inserted in center comes out clean. Remove from oven and place on rack to cool completely