The average rate on 30-year mortgages rose to 6.72% from 6.6%. Borrowing costs on 15-year fixed-rate mortgages rose to 5.92% from 5.84% last week.

WASHINGTON — The average rate on a 30-year mortgage in the U.S. rose this week to its highest level since late November, reflecting a recent uptick in the bond yields that lenders use as a guide to price home loans.

The rate rose to 6.72% from 6.6% last week, mortgage buyer Freddie Mac said Thursday. The rate is now higher than it was a year ago, when it averaged 6.67%.

Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners seeking to refinance their home loan to a lower rate, also rose this week. The average rate increased to 5.92% from 5.84% last week. A year ago, it averaged 5.95%, Freddie Mac said.

The average rate on a 30-year mortgage is now the highest it’s been since Nov. 27, when it was at 6.81%.

Elevated mortgage rates and rising home prices have kept homeownership out of reach of many would-be homebuyers. While sales of previously occupied U.S. homes rose in November for the second straight month, the housing market remains in a slump and on track for its worst year since 1995.

Mortgage rates are influenced by several factors, including the moves in the yield on U.S. 10-year Treasury bonds.

Bond yields shot up Wednesday after the Federal Reserve signaled that it will likely deliver fewer cuts to rates next year than it forecast just a few months ago. While the central bank doesn’t set mortgage rates, its actions and the trajectory of inflation influence the moves in the 10-year Treasury yield.

The yield, which was below 3.7% as recently as September, was at 4.56% in midday trading Thursday.

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