Borrowed more than collateral

I feel typically Binance app miscalculates loan amount for a given collateral amount. (including a case that I hit 'MAX' button for collateral)

And one other unusual thing is, principally Binance app does not permit me to proceed to additional so this type of loan contract is just not made, principally. But typically it isn't blocked and the contract is made.

For instance, I borrowed 1.68 USDT with 1.39 USDC collateral, where LTV ought to be lower than or equal to 78%, but truly it's larger than 100%.

Is it a bug? Is there anything probably go fallacious it this type of mortgage contract?