One hour left and Massey ratings have been updated. With his formula you end up with:

Big Sky: Weber St
Big South: Monmouth
CAA: James Madison
MVFC: North Dakota St
NEC: Central Connecticut St
OVC: Austin Peay
Patriot League: Holy Cross
Pioneer League: San Diego
SOCON: Wofford
Southland: Nicholls

At-large (assuming they stick to 7 D1 wins this year):
Montana
Sacramento State
South Dakota State
Northern Iowa
Montana State
Illinois State
Towson
Villanova
Southern Illinois
Albany
North Dakota
Southeastern Louisiana
Central Arkansas
Southeast Missouri State