Thanks for the answer.
No it's not OEM. I probably should say the rig, I have a Gigabyte GA-B85M-D3H,
Corsair CX500 V2 500W,
BitFenix Prodigy M, ASUS Radeon R7 260X DirectCU II,
Seagate Barracuda 7200.14 1TB and Intel Core I5-4570.
I checked BIOS settings, but I already have it on "silent" (actually doesn't make much difference, it's always about 1550 rpm matter what setting)
I took the video card out just to narrow it down and it's still a bit loud. One of the video cards fans has a slight ticking noise. I think those two contribute to most of the noise