Step 1: Preheat the oven to 400°. Heat 1 tablespoon avocado or canola oil in a cast iron skillet over medium heat. Add the chopped onion and jalapeños, sautéing for 3-4 minutes until softened. Add the minced garlic and cook for another minute.
Step 2: Add the pinto beans with their liquid to the skillet and let them heat through for 4 to 5 minutes.
Step 3: Once the beans are hot mash them with a fork or potato masher until they’re mostly smooth, leaving some texture for added bite. Stir in cumin, smoked paprika, chili powder, cayenne pepper, salt, and pepper. Cook for 2-3 minutes, letting the spices bloom.
Step 4: Turn off the heat and stir in sour cream, taco sauce, and ½ cup of each of the two cheeses. Stir until melted and combined.
Step 5: Smooth out the bean dip in the skillet, then top with the remaining cheese. Transfer the skillet to the preheated oven and bake for 12-15 minutes, or until the cheese is melted and bubbly.
Step 6: Remove from the oven, garnish and serve hot with tortilla chips!