2025 Rate Bowl


The 2025 Rate Bowl was a college football bowl game played on December 26, 2025, at Chase Field in Phoenix, Arizona. The 36th annual Rate Bowl began at approximately 2:30 p.m. MST and aired on ESPN. The Rate Bowl was one of the 2025–26 [NCAA football bowl games|2025–26 bowl games] concluding the 2025 [NCAA Division I FBS football season|2025 FBS football season]. The title sponsor for the game was the Rate residential mortgage company.
The 2025 Rate Bowl featured the 2025 [Minnesota Golden Gophers football team|Minnesota Golden Gophers] of the Big Ten Conference and the 2025 [New Mexico Lobos football team|New Mexico Lobos] of the Mountain West Conference. The score was 14–14 at the end of regulation. In the first overtime period, New Mexico scored a field goal, then Minnesota scored a touchdown to win the game by a 20–17 score.

Teams

This was the first ever meeting between Minnesota and New Mexico.

New Mexico Lobos

New Mexico opened their season with loss at 2025 [Michigan Wolverines football team|Michigan], followed by three wins in a row. Back-to-back losses gave them a 3–3 record in mid-October. The Lobos then won all six of their remaining games, and entered the Rate Bowl with a 9–3 record.

Minnesota Golden Gophers

Minnesota won three of their first four games; a loss to then top-ranked 2025 [Ohio State Buckeyes football team|Ohio State] followed by two wins gave them a 5–2 record in mid-October. The Golden Gophers lost three of their final five games, leaving them with a record of 7–5 entering the Rate Bowl.

Game summary

Statistics