Firstly, I wouldn't exactly call L4D "photorealistic", sure it's pretty realistic but it's kinda simplified, where actual clothing detail (dust & stains etc.) are represented with brush strokes rather than texture, and that highlights are brighter while shadows are darker, look at the 3rd image for an example of L4D vs HL2.
There's no real word for this so I'll call it "Illustrative Realism".
Returning to the 3rd image, you can see that the colors in HL2 mix together way more (not that it's badly designed, it's a real pretty game) but L4D purposefuully gives the characters more saturated colors to stand out from the rather drab background.
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