In a large pot over medium heat, sauté the chopped onion and minced garlic until fragrant and softened, about 3-4 minutes.
Add the shredded chicken, white beans, chicken broth, diced green chiles, ground cumin, salt, black pepper, and chili powder. Stir to combine.
Bring the mixture to a simmer and let cook for 15 minutes, stirring occasionally.
Reduce heat to low and stir in the cream cheese (or sour cream) until fully melted and the chili becomes creamy.
If using, add shredded cheese and stir until melted.
Add lime juice and adjust seasoning with additional salt or hot sauce to taste.
Optional: Stir in corn, hominy, and chopped cilantro just before serving.
Serve hot and enjoy the ultimate comfort of this mild white chicken chili.