In a large mixing bowl, whisk dry ingredients together: cornmeal, flour, baking powder, salt and pepper.
Add corn and toss with dry ingredients.
Add onion, garlic and pepper. Mix in.
In a small bowl or a glass measuring cup, whisk wet ingredients together (half and half and egg).
Add cheese and wet ingredients to corn mixture. Mix well.
Heat up oil in a large skillet, over medium heat.
Pour 1/4 cup of corn mixture into a pan and fry for 2 to 3 minutes per side or until golden brown.
Serve with Ranch dip or sour cream.
For the best texture and flavor use fresh corn off the cobs; you can also use frozen corn but it needs to be thawed and patted dry (as best as possible). If you want to use canned corn, go for whole kernel corn, drain it, rinse and pat dry.
If the mixture seems too dry after mixing all ingredients, add a tablespoon or more of the half and half; you can also use whole milk
Please note, that the nutrition value can vary depending on what product you use. The information below is an estimate. Always use calorie counter you are familiar with.