Combine 1 cup bread flour, whole wheat flour, undissolved yeast, salt and sugars in a large mixer bowl. Heat milk, water and butter to very warm (120° to 130°F). Stir into dry ingredients. Add enough remaining bread flour to form a soft dough. Knead on a lightly floured surface 6 to 8 minutes until smooth and elastic. Roll out dough to 1-inch thickness, sprinkle half with dried fruit, seeds and coconut. Fold the dough over filling, seal edges and knead for 2 minutes longer to evenly disperse.
Cover and let rest on a floured surface for 10 minutes. Punch down dough and form into an oval shaped loaf. Place on greased baking sheet. Cover and let rise in a warm, draft-free area for 30 to 60 minutes until double. Make a few shallow, diagonal slits on the surface of the loaf. Bake in a preheated 375°F oven for 20 to 25 minutes. Remove from oven and cool on a wire rack.