Preheat oven to 350°F (175°C). Grease a 9x5-inch loaf pan and line with a parchment paper sling, leaving overhang on the long sides for easy removal.
Place 1 cup of cereal in a zip-lock bag and crush into fine crumbs for the batter; crush the remaining ½ cup more coarsely in a separate bag for the topping. Set aside.
Combine flour, sugar, and cinnamon in a small bowl, then cut in cold butter with a pastry cutter until coarse crumbles form. Stir in the coarsely crushed cereal and refrigerate until needed.
Stir together the sugar and cinnamon for the swirl filling, then mix in the melted butter to form a thick paste. Set aside at room temperature.
Whisk flour, baking powder, baking soda, salt, and cinnamon together in a large bowl for 30 seconds, then stir in the finely crushed cereal.
In a separate bowl, whisk sugar, eggs, sour cream, oil, vanilla, and milk together vigorously for about 1 minute until smooth and fully combined.
Pour the wet ingredients into the dry ingredients and fold gently with a rubber spatula just until no streaks of flour remain — do not overmix.
Spread half the batter into the prepared pan, dollop the cinnamon swirl filling over the top, then cover with the remaining batter and optionally swirl with a knife for a marbled effect.
Sprinkle the chilled crumble topping evenly over the batter and press lightly to adhere, then bake for 50–60 minutes until deep golden and a toothpick inserted in the center comes out with just a few moist crumbs. Tent with foil if the top browns too quickly.
Cool in the pan on a wire rack for 15 minutes, then lift out using the parchment sling and cool for at least 30 minutes total before slicing with a serrated knife.