Instructions
- Preheat the oven to 375°F (190°C). Line a rimmed baking sheet with foil and place a wire rack on top.
- In a small bowl, combine the breadcrumbs and milk. Let stand for 3–5 minutes until softened.
- In a large bowl, combine the ground beef, soaked breadcrumbs, eggs, onion, garlic, Worcestershire sauce, ketchup, Dijon mustard, salt, pepper, smoked paprika, garlic powder, onion powder, and oregano.
- Mix gently with your hands until everything is evenly incorporated. Avoid overmixing, which can make the meatloaf dense.
- Place a large sheet of parchment paper on the counter and press the meat mixture into a rectangle about ¾-inch thick.
- Sprinkle the mozzarella, Cheddar, and Monterey Jack evenly over the center, leaving about 1 inch around the edges.
- Carefully roll the meat mixture around the cheese, pinching the seams closed so the filling is completely enclosed.
- Transfer the meatloaf seam-side down onto the prepared wire rack.
- Arrange the bacon slices over the meatloaf, overlapping them slightly. Weave additional strips perpendicular to the first layer to create a bacon lattice, tucking the ends underneath the loaf.
- In a small bowl, whisk together the ketchup, brown sugar, Worcestershire sauce, Dijon mustard, and smoked paprika.
- Brush about half of the glaze over the bacon.
- Bake for 50 minutes.
- Brush the remaining glaze over the bacon and continue baking for another 20–25 minutes, or until the meatloaf reaches 160°F (71°C) in the center and the bacon is crisp and deeply browned.
- If needed, broil for 1–2 minutes at the end to further crisp and caramelize the bacon, watching closely.
- Remove from the oven and let the meatloaf rest for 10–15 minutes before slicing.
- Garnish with fresh parsley or green onions and serve warm.
Variations
- Replace the ground beef with a beef-and-pork mixture for a softer, richer meatloaf.
- Add sautéed mushrooms, spinach, or caramelized onions to the cheese layer.
- Use Pepper Jack instead of Monterey Jack for a spicy finish.
- Add diced jalapeños to the meat mixture for extra heat.
- Swap the glaze for barbecue sauce for a smoky, tangy variation.
Tips
- Don’t overmix the beef mixture; gentle mixing keeps the finished meatloaf tender.
- Seal the cheese filling completely inside the loaf to prevent it from escaping during baking.
- Slightly overlap the bacon strips when building the lattice so the meatloaf stays covered as the bacon shrinks.
- Let the meatloaf rest before slicing so the melted cheese stays inside rather than rushing out onto the cutting board.
- Use a meat thermometer in the thickest part of the loaf to confirm it reaches 160°F before serving.
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