Preheat oven to 350 degrees
Combine ground beef, ground chuck, milk, Worcestershire sauce, salt, dry mustard, pepper, minced garlic, eggs, & bread crumbs/panko in a large mixing bowl.
Work together with your hands until completely combined – but don’t over-work the meat.
Spray a 9x5x3 loaf pan with olive oil or cooking spray.
Transfer the meat mixture to the pan & pat down so it’s smooth on top.
Add the ketchup to the top & spread evenly with a spatula.
Bake uncovered for 60-75 minutes or until internal temperature reaches 160 degrees.