Drain two cans of pinto beans, reserving the liquid in the third can. Set aside.
In a 10-inch cast iron skillet cook the onion and jalapeno in olive oil over medium-high heat until softened and beginning to brown, around 3 minutes. Add the minced garlic, cooking for 1 minute longer.
To the skillet add the pinto beans, taco sauce, cream cheese, chili powder, garlic salt, lemon pepper and ground cumin. Stir to combine.
Using a potato masher mash the beans until your desired consistency is reached. The more you mash, the thicker the bean dip will become. Simmer on medium heat for 10 minutes, stirring occasionally to prevent sticking to allow the beans to reduce slightly.
Remove from the stovetop, adding 1 cup shredded cheese. Stir to combined, then sprinkle the top with the remaining cheese.
Turn the oven to broil. Bake for 10 mintues or just until the cheese is melted and lightly golden brown.
Serve immediately with tortilla chips or fritos garnished with diced tomatoes, jalapeno slices, diced red onion and queso fresco with a side of sour cream and salsa.
Cook's Note: You can thin the beans further by adding additional taco sauce. You can thicken the beans, by adding more cream cheese. Keep in mind, the dip will continue to thicken as it cools.