North Texas vs. Charlotte odds, picks, predictions, Friday best bets from proven model

The North Texas Mean Green will look to stay in the American Conference title chase when they battle the Charlotte 49ers in a key matchup on Friday night. North Texas is coming off a 55-17 win over UTSA, while Charlotte dropped a 49-14 decision to Temple in Week 8. The Mean Green (6-1, 2-1 American), who are tied for fourth in the conference, are 2-0 on the road this season. The 49ers (1-6, 0-4 American), who have lost four in a row, are 1-3 on their home field in 2025. North Texas is 5-2 against the spread this season, while Charlotte is 2-5 ATS. 

Kickoff from Jerry Richardson Stadium in Charlotte, N.C., is at 7 p.m. ET. Charlotte is 2-0 all-time against North Texas. The Mean Green are 25.5-point favorites in the latest North Texas vs. Charlotte odds, while the over/under for total points scored is 61.5. Before making any North Texas vs. Charlotte picks, check out the college football predictions from the SportsLine Projection Model. 

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The model simulates every FBS game 10,000 times. Since its inception, it has generated a betting profit of over $2,000 for $100 players on its top-rated college spread football picks, and is a profitable 42-30 combined on money-line and over/under college football picks since the beginning of 2024. Anybody following its college football betting picks at sportsbooks and on betting sites could have seen strong returns.

Now, the model has set its sights on North Texas vs. Charlotte. You can visit SportsLine now to see the picks. Here are the FBS college football odds and trends for Charlotte vs. North Texas:

Why North Texas can cover

Freshman quarterback Drew Mestemaker powers the Mean Green offense. In seven games, he has completed 158 of 237 passes (66.7%) for 1,860 yards and 17 touchdowns with three interceptions. He has also rushed for four touchdowns. In last week’s win over UTSA, he completed 22 of 35 passes for 277 yards (62.9%) and four touchdowns, while rushing for another. In a 63-36 loss to South Florida on Oct. 10, he completed 30 of 46 passes for 336 yards and two touchdowns with three interceptions. He also rushed for a score.

Freshman running back Caleb Hawkins leads the North Texas ground attack. In six games, he has carried 75 times for 499 yards (6.7 average) and seven touchdowns. He also has 17 receptions for 225 yards and one touchdown. Against UTSA, he rushed 18 times for 133 yards (7.4 average), while catching eight passes for 90 yards. See which team to back at SportsLine. 

Why Charlotte can cover

Redshirt sophomore Grayson Loftis and redshirt junior Zach Wilcke have shared quarterbacking duties of late. In parts of six games, he has completed 48.3% of his passes for 471 yards and three touchdowns with four interceptions. Wilcke, meanwhile, has played in three games, completing 27 of 39 passes (69.2%) for 242 yards and two touchdowns with one interception. He has also rushed 15 times for 46 yards and a score.

Junior Javen Nicholas is the 49ers’ top wide receiver. In seven games, he has 34 receptions for 354 yards and one touchdown. He has also rushed three times for eight yards. In a 20-3 loss to North Carolina, he caught 11 passes for 122 yards, including a long of 20. He had five receptions for 93 yards (18.6 average) and a score in a 28-17 loss to Rice on Sept. 18. See which team to back at SportsLine.

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How to make North Texas vs. Charlotte picks

SportsLine’s model is going Over on the total, projecting 68 combined points. It also says one side of the spread hits in well over 50% of simulations. You can only get the pick at SportsLine. 

So who wins North Texas vs. Charlotte, and which side of the spread hits well over 50% of the time? Visit SportsLine now to see which side of the North Texas vs. Charlotte spread to jump on, all from the advanced model that finished up over $2,000 on its FBS college football picks since its inception, and find out.