Depending on your distro, check your /etc/profile or ~/.bashrc or ~/.bash_profile for your umask setting. I've never changed the default, and I'm not an expert at the umask and mode settings, so I can't think offhand what the umask setting would be to create mode 744 files by default.
The default umask=022 creates files with mode 644 (ie. files are 666 by default, subtract the umask, and you have 644).
However, you probably shouldn't change the settings. The inconvenience you experience is actually a security feature. You should probably just create your files in a given directory (eg /webfiles), then recursively chmod them all ie. chmod -R 744 /webfiles