Preheat the oven to 350 degrees and lightly grease a loaf pan.
In a large bowl combine the ground beef, breadcrumbs, eggs, milk, diced jalapeños, onion, garlic, pepper jack cheese, Worcestershire sauce, chili powder, salt, and black pepper.
Mix with your hands until the ingredients are evenly distributed but do not overwork the meat.
Press the mixture firmly into the prepared loaf pan and smooth the top.
Spread the ketchup evenly over the surface.
Bake for 60 to 70 minutes until the internal temperature reaches 160 degrees.
Remove from the oven and let the loaf rest in the pan for 10 minutes before slicing.