Prepare the oven and pan. Preheat the oven to 350°F (175°C). Grease a 9 x 5-inch loaf pan or line it with parchment paper.
Mix the dry ingredients. In a medium bowl, whisk together the flour, salt, baking powder, baking soda, cinnamon, nutmeg, ginger, and cloves.
Mix the wet ingredients. In a large bowl, whisk together the melted butter, softened cream cheese, cane sugar, and brown sugar. Add the pumpkin puree, eggs, and vanilla extract, whisking until smooth.
Make the batter. Add the dry ingredients to the wet ingredients and stir just until combined. Avoid overmixing.
Make the crumble topping. In a small bowl, combine the softened butter, flour, brown sugar, cinnamon, and salt. Use a fork or your hands to mix until it forms coarse crumbs.
Assemble the loaf. Pour the batter into the prepared loaf pan and spread it evenly. Sprinkle the crumble topping over the batter.
Bake. Bake for 50 to 60 minutes, or until a toothpick inserted into the center comes out clean. If the top browns too quickly, loosely cover it with foil during the final portion of baking.
Cool. Let the loaf cool in the pan for 10 to 15 minutes, then transfer it to a wire rack to cool further before slicing.