Preheat the oven to 375°F and line a half sheet pan with parchment paper.
Spread half the tortilla chips in a single, even layer across the pan.
Scatter half the ground beef, black beans, and corn evenly over the chips.
Sprinkle half the cheddar and Monterey Jack cheese over that layer, reaching the edges of the pan.
Add the second half of the chips on top in an even layer.
Repeat with the remaining beef, beans, corn, and cheese, plus the jalapeños.
Bake for 8 to 10 minutes, until the cheese is fully melted.
Switch the oven to broil and cook for 60 to 90 seconds, watching closely, until bubbly and lightly browned on top.
Remove from the oven and top with sour cream, pico de gallo, avocado, and cilantro.
Serve immediately with lime wedges on the side.