Rinse the dried pinto beans under cold water to remove dirt or debris.

Place the rinsed beans in a large pot and cover them with 6 cups of water. Soak for at least 6 hours or overnight.

After soaking, drain and rinse the beans again. Add them back to the pot with fresh water and bring to a boil, then reduce to a simmer. Cook until tender for about 1 hour.

In a separate skillet, heat the olive oil over medium heat. Add the chopped onion and cook until translucent, about 5 minutes, then stir in the minced garlic and cook for another minute.

Once the beans are cooked, drain them and add them to the skillet with the sautéed onion and garlic. Stir well to combine.

Using a potato masher or fork, mash the beans to your desired consistency.

Add ground cumin, salt, and black pepper to taste, adjusting as needed.

Transfer the refried beans to a serving dish and enjoy warm.