Creating a Mesh...
Some helpful 3D modeling overviews and tutorials:
Modeling Creation Overview (On Valve Developer Community wiki (VDC).)
Character Creation Overview (On VDC.)
Creating a Basic HL2 Character Model Using XSI (XSI aka Mod Tool. On veazie.org.)
Character Modeling (Several parts/pages on how to model a humaniod from scratch using Mod Tool aka XSI. On "Jailbreak: Source - Source SDK Development Blog".)
Creating a mesh from scratch requires a 3D modelling tool.