The process is straightforward but demands attention to texture and moisture levels.
Start with cooked pinto or black beans. The cooking liquid matters. If you canned them, drain but reserve some juice. If you dried and soaked them yourself, use the broth they cooked in. The goal is a thick paste, not soup. Heat lard or oil in a heavy skillet. Many recipes call for onion and garlic. Sauté those until soft. Then add the beans. Mash them with a potato masher or the bottom of a sturdy cup. They will stick at first. Keep stirring. Add the reserved liquid slowly. A little at a time. You want the mixture to pull away from the sides of the pan but still look glossy. This usually takes about twelve minutes on medium heat. If you rush the heat, the bottom burns before the center is smooth. Lower the flame if you see dark specks forming. I learned this the hard way when I tried using a food processor to speed things up. The result was glue. It turned into an inedible foam that split when it cooled. A processor shear-forges the starches too aggressively. Stick to the skillet and a masher. Another common mistake is adding cheese directly into the pan. The cheese seizes into rubbery chunks. Stir in shredded cheese only after you remove the pan from the heat. The residual warmth will melt it properly without breaking the emulsion. You can also blend in a spoonful of crema or sour cream off the heat for richness without splitting the fat. The term "refried" comes from the Spanish "re-frito," meaning fried again. They are not a single fry. The initial cooking happens during the bean boil. The second fry develops the flavor and desired consistency. Some regional styles in Mexico add chicken lard for depth, while others use vegetable oil. Neither is wrong. It just changes the mouthfeel. Lard gives a tighter, richer bind. Oil yields a lighter, fluffier texture. Choose based on what you are serving. Heavy chilies and cheeses pair better with lard. Lighter salsas work fine with oil.
Store leftovers in an airtight container in the fridge for up to four days. They will thicken significantly as they chill. Reheat them slowly in a pan with a splash of water or broth. Do not microwave them dry. They will turn into a hard brick. Slow reheating restores the original spreadable consistency. If you need to make a large batch, double the recipe. The process scales well. Just use a wider pan so the beans spread out. A crowded pan steams instead of fries. You lose that essential toasted flavor that defines a good batch. Cook until the beans darken slightly and leave a thin film on the pan surface. That is your signal they are ready.