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Just admit that it was wrong of you and it won't happen again. You don't have to say "I'm sorry", but just admit when you do something wrong. It will show her that you're not all about your pride and shit.
Well I would apologize
only if I felt what I did was really wrong and
justified an apology.
A lot of times girls will act pissed off or upset to see if they can get a reaction from you. If you act over-apologetic or become flustered, it's game over. She's turned the tables and is running the show. You're so worried about trying to make things right, that she has almost full control over everything. And once she has that, she'll lose interest.
I have a kind of "deal with it" attitude. I'm very blunt and somewhat of a comical jerk, but I don't usually apologize for things I said in jest. The only time I would apologize is if one of my jokes crossed a line, and I determine that line not anyone else.
Seems to me calling a girl a loser does not constitute her reaction. Like Somerset said, she's probably just a drama queen. This is probably one of the ways she has learned to get attention from people. Throwing hissy fits and pouting.
Oh and Conker was right, smiley faces, lols, and emoticons make a huge difference in text game. It's the only way the girl will know that what you are saying, is being said in a humorous manner.
Plus C+F isn't a technique that should be constantly done. You might make 1 maybe 2 C+F jokes in a long conversation. But if everything out of your mouth is C+F, you will come off as conceited and as an entertainer.