Preheat the oven to 180°C (350°F) and line a loaf pan or square baking dish with parchment paper.
In a large mixing bowl, combine oatmeal, grated apple, grated carrot, 2 eggs, mashed banana, melted coconut oil, and baking powder. Mix well.
In a separate bowl, whisk together the cottage cheese, remaining 2 eggs, corn starch, and coconut blossom sugar until smooth and creamy.
Pour the oat mixture into the prepared baking dish and smooth the top.
Gently spoon the cheese mixture over the oat base. Use a knife or skewer to swirl the layers slightly for a marbled effect.
Bake for 45–50 minutes or until golden and set. A toothpick inserted in the center should come out mostly clean.
Let it cool for 10–15 minutes before slicing. Serve warm or chilled.