In a large skillet, cook the ground beef over medium heat until it starts to brown.
Add the onion and continue cooking until softened.
Stir in garlic, salt, pepper, chili powder, cumin, and paprika.
Add refried beans and rice. Mix until combined. Remove from heat and stir in 1 cup cheese.
Warm tortillas in the microwave for 10–15 seconds.
Spoon filling into each tortilla, fold the sides inward, and roll tightly.
Place burritos seam-side down in a baking dish.
Make the sauce: melt butter, whisk in flour, slowly add broth, then stir in enchilada sauce and seasonings. Simmer 2–3 minutes.
Pour sauce over burritos.
Top with shredded cheese.
Bake at 350°F for 20 minutes or until cheese is melted and bubbly.
Garnish with lettuce, tomatoes, green onions, sour cream, or avocado. Serve warm.