Well, I do not know what a given application might or might not do. In any case it is not relevant (only) to borg, but to any backup system incl. rsync, so I do not know why this question is asked in the context of borg.
If you want to backup your application data, then dump or persist the data first. This is what I've seen/used and AFAIK is the standard in various backup solutions. However it is irrelevant question in the borg context.