Photo saving location is up to the individual apps. Stock Android camera app, for example, always writes to SD Card's
DCIM\Camera folder. Other photo taking apps may have a different default location, but you should be able to change that in those apps' settings.
Various photo managing apps will try to scan your entire SD Card for images, and may pull in folders that belong to various other apps, not necessarily Camera/Camcorder. Such apps usually have setting to specify which folders to include or exclude during such scans.