13. North Texas 45, UTSA 23
Honestly, UTSA was lucky to get to 11-0. The Roadrunners won two games with a postgame win expectancy of 10% or lower (the wins over Memphis in September and UAB last week), and regression to the mean struck them hard in rainy Denton. They lost three fumbles, and smoking-hot North Texas -- once 1-6, now 6-6 -- went on a 28-0 midgame run.
We landed at 13. Here is the article for those of you interested in those sorts of things: https://www.espn.com/college-football/insider/story/_/id/32738856/twenty-games-made-college-football-rivalry-week-well-bedlam