Preheat the oven to 350° F. Spray an 8x4-inch loaf pan with non-stick cooking spray and set aside.
Toast the pecans by placing them in a non-stick skillet over medium-high heat for about 6-8 minutes. Shake the pan or stir a few times so that the pecans do not burn. Remove from the heat once the pecans are toasted and roughly chop on a cutting board with a large knife.
In a large bowl, combine the flour, baking soda, cinnamon, nutmeg, ground cloves, and salt.
In a separate bowl, whisk together the applesauce, milk, coconut sugar, eggs, and vanilla extract.
Pour the wet mixture over the dry mixture and stir to mix. Add the chopped apples and pecans and stir just until incorporated.
Pour into the prepared baking pan. If using the cinnamon topping, stir together the coarse sugar and cinnamon and sprinkle over the bread in the pan.
Bake for 25 minutes with foil tented over the pan so the sugar doesn't burn. Remove the foil and bake for an additional 20 minutes, until a toothpick or knife comes out clean.
Place on a wire rack to cool in the loaf pan, then remove from the pan to cool completely. Enjoy warm or at room temp.