There's a good tip for making mud from ground pepper in the armor forum. Might want to stick your head in over there and take a look around.
You can also use Celluclay to make thick, caked-on mud.
Of course, there's nothing better than the real thing: Take some dirt from your yard and sift it through an old piece of window screen. Mix it with a little water and white glue, then take a brush and apply it until you get the effect you want. For splatter, take and old toothbrush and dip it in the mix. Take your fingers and bend the bristles back, and then let them go....
Make sure you practice a bit so you can direct spatter in the direction and concentration you desire.
Gip Winecoff