For most motherboards, they will report the temperature sensor readout from the thermal sensor on the motherboard, while most applications will use the thermal sensor built into the CPU.
for example using AIDA 64 will report both sensor readouts and the motherboard sensor can often be much higher as they often have an offset to account for the sensor not making perfect contact with the die of the CPU.
Some motherboards will also run all fans at their low speeds while in the bios because the CPU usage will be low.