Tom, when I complained of the inherently noisy exchangers when our coach was new, someone here or at BCS revealed there are quieter versions available.  I don’t remember the particulars aside from the cost to refit them all was prohibitive.  That said, the fans obviously are the part that make the racket and are going to be a far more affordable deal.  Getting at the one under the fridge may be a knuckle scraper, but removing the drawer in the front console should give easier access to that one.
Paul’s loose rivet scenario sounds like something to check out first, regardless.
Joel