1.Preheat oven to 350 degrees, spray a deep baking pan with cooking spray, set aside.
2.In a large glass, porcelain or stainless steel mixing bowl, mix meat with all added ingredients except 1/4 cup ketchup for topping.
3.Use clean hands to mix in but try not to over mix or handle the meat.
4.Shape into a loaf in pan. Pour ketchup over loaf and spread with a spoon or butter knife.
5.Cover loosely with foil, bake for 45 minutes. Take off foil and raise oven to 400 degrees. Continue to bake for another 15 minutes until juices run clear and internal temperature is 165 degrees.