Long-term mortgage interest rates, which had dropped for the last month, reversed course and climbed above 6 percent, a financial survey found Thursday.

The national average on a 30-year, fixed-rate loan, went up to 6.08 percent this week from 5.98 percent last week, Freddie Mac, the mortgage company, reported. One year earlier, the 30-year rate averaged 5.94 percent.

In a similar upward move, the national average on a 15-year, fixed-rate loan increased to 5.49 percent from 5.39 percent in the same week-to-week period. A year ago, the 15-year rate averaged 5.27 percent.

Also headed higher was the national average on the one-year, adjustable-rate mortgage, which advanced to 4.17 percent this week from 4.12 percent last week. At this time last year, the one-year rate averaged 3.67 percent.

Each of the loans carried an average fee of 0.6 point this week. A point is a charge made by a lender, with one point equalling 1 percent of a loan.

Freddie Mac's reading on average mortgage rates is based on a survey of 125 lenders nationwide.

In a separate report, refinancings decreased to 36.8 percent of total mortgage loan applications filed last week from 37.1 percent in the previous week, the Mortgage Bankers Association said.