Borrowed more than collateral

I feel typically Binance app miscalculates mortgage quantity for a given collateral quantity. (together with a case that I hit 'MAX' button for collateral)

And one other unusual factor is, principally Binance app doesn't permit me to proceed to further so this type of mortgage contract isn't made, principally. However typically it isn't blocked and the contract is made.

For example, I borrowed 1.68 USDT with 1.39 USDC collateral, the place LTV must be less than or equal to 78%, but truly it is larger than 100%.

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