OK, lets look at the 2 loss teams and who they lost to:
EWU: Toledo & Sam Houston (FBS and bubble playoff team)
UM: NAU and EWU (two playoff teams)
Maine: NorthWestern and New Hampshire (FBS and bubble playoff team)
McNeese: UNI and SELA: (one team that's in, one that's out)
Towson: Villanova & Delaware (two teams not going to the playoffs)
SELA: TCU & South Dakota St (FBS and bubble playoff team)
NAU: Arizona and MSU (FBS and one team that's out)
While this doesn't take into account head to head, such as EWU and NAU beating UM and SELA beating McNeese. the "quality" of losses favor the Griz most likely and hurt Towson the most.
EDIT: If we assume NDSU and EIU get the 1 and 2 seeds that would put these 7 teams to get the last 6 seeds. With all due respect to Fordham and Coastal Carolina I think quality of opponents favors these teams.
EWU: Toledo & Sam Houston (FBS and bubble playoff team)
UM: NAU and EWU (two playoff teams)
Maine: NorthWestern and New Hampshire (FBS and bubble playoff team)
McNeese: UNI and SELA: (one team that's in, one that's out)
Towson: Villanova & Delaware (two teams not going to the playoffs)
SELA: TCU & South Dakota St (FBS and bubble playoff team)
NAU: Arizona and MSU (FBS and one team that's out)
While this doesn't take into account head to head, such as EWU and NAU beating UM and SELA beating McNeese. the "quality" of losses favor the Griz most likely and hurt Towson the most.
EDIT: If we assume NDSU and EIU get the 1 and 2 seeds that would put these 7 teams to get the last 6 seeds. With all due respect to Fordham and Coastal Carolina I think quality of opponents favors these teams.